The term “full coverage” can mean different things to different people. For some, full coverage means a dental insurance plan covers all the basics, such as routine checkups, cleanings and X-rays. Others expect a full-coverage plan to lower the cost of any dental care they may need.
The good news is that there are a range of dental plans available, so you’ll likely be able to find the kind of coverage you prefer.
Full-coverage dental insurance quotes can vary widely and are dependent on many factors. The number of people in your family that need coverage, their ages and whether anyone needs orthodontic or denture care are just some of the considerations.
Other choices that have an impact are low copays or low deductibles, and traditional insurance or discount plans.
All of these factor into the cost of a plan. You will need to determine which benefits and features are most important to you.
With a dental insurance plan, you pay premiums, copays and/or deductibles, and the insurance pays the remainder of the cost directly to the dentist.
In a dental discount plan, you receive discounts for services at participating dentists. You simply pay the dentist directly for your services at a discounted price.
Both plans provide dental care, but the premiums are different and the way payment is made is different.
Keep these tips in mind when you shop for dental insurance:
- Estimate your future dental needs. Don’t just think about the regular checkups and cleanings. Consider whether you or a family member will need major dental work or oral surgery.
- Find a plan your dentist accepts. If you like your current dentist, check to see if he or she is a member of that plan’s provider network.
- Consider your budget and how much you are comfortable paying. Decide whether you’d prefer to pay monthly premiums, copays at the time of service or discounted fees directly to the dentist.
Only you can decide what full-coverage dental insurance means for you and your family. But with so many choices available, you can be sure to find a plan that works for you.