Each member of your family should get basic preventive care like exams, X-rays and cleanings. However, people in different age groups may need different things:
Choosing a family dental insurance plan can be like ordering takeout or picking a movie—it can be hard to find something that works for everyone.
To help you make the best decision, here are a few tips for comparing family dental insurance plans.
1. Consider the needs of each family member
2. Look for a plan with several dentists and dental practices
You may want to have more than 1 dentist available in your family plan for several reasons. First, your work and school hours may not work with only 1 dentist. Second, the dentist you choose may not be able to perform all of the treatments you need. And last, 1 dentist may specialize in pediatric dentistry while another focuses more on senior dental care.
3. Learn which treatments are covered in each plan
Most routine dental treatments are covered under basic dental insurance plans. However, some plans may also cover things like in-office teeth whitening.
4. Consider all of the costs
When comparing family dental insurance plans, the first consideration is often the monthly cost or premium. Be sure to also look at the deductibles, or the amount of money that you will have to pay out-of-pocket for dental services before your insurance kicks in.
Another important cost is the maximum annual limit. Most insurance companies cap the amount they will pay per year for dental treatment. When you reach that annual cap, you are then responsible for any costs. This could be very important, especially if someone in your family has ongoing dental issues.
5. Think about discount dental plans or savings plans
Different from insurance, discount dental plans allow you to join a group where you enjoy discounts on certain services. Since they are not insurance plans, there are no copays or premiums—you simply enjoy savings at participating dentists by paying them directly for services at a lower price.
Humana offers family dental plans
If you’re a current Humana dental plan member, you may be able to add a dependent to your plan at any time. If you’re looking for a family dental plan, Humana offers a broad range of plans with varying levels of coverage, many with low monthly premiums. To see plans and prices in your area, check out our Humana Insurance Company dental insurance page.