Many companies celebrate the turn of the year by switching insurance policies on you. As 2016 speeds toward its end, let’s take a look at 3 common questions about dental insurance so you know what to expect!
What will dental insurance cover?
It varies from policy to policy, but there are some benefits you can expect to see in most plans, which fall into three categories:
Does it make sense to pay for dental insurance?
That all depends on the insurance options available to you and your general level of oral health. If you have a history of poor health, multiple dental restorations or gum disease, dental insurance will almost certainly save you money in the long run. This is especially true if you have access to a subsidized plan through your employer.
If you don’t have a subsidized option and are in relatively good health, however - needing only your bi-yearly cleanings and the occasional filling - dental insurance might not be for you. At that point you’d want to weigh the cost of these common dental services against your yearly premium to see where you come out on top. Some dental offices, including ours, also offer dental savings plans that give the uninsured a discount on common services.
What type of dental insurance should I choose?
When shopping for self-funded plans or looking over options from an employer, you may be asked to pick between an DHMO and a PPO, the two most common types of dental insurance. There are a couple of key differences between the two:
Our admin team works hard to stay up to date on the ins and outs of our patients’ policies. We’re always happy to answer any questions you may have about your benefits; email or call us today and let us know how we can help!