None of us wants to go to see a dentist, but the fact of the
matter is that we should all be taking that trip at least one time a year.
Your employer may be offering you dental insurance and you
may be wondering just what you need. Let us look at some of the things you
should find out before you sign up for dental coverage.
Freedom of Choice
One of the things you should carefully review before selecting a
dental plan is whether you are free to select your own dentist.
Remember, you are only going to see them once or maximum twice a year for
usual dental care and you do not want to go to a dentist that makes you
One of the concerns with some dental plans is who is ultimately going
to make the decision on what care you may need. This is important to
determining the cost of your dental care. Some plans will only pay for very
basic service and you have to pay any difference. You will want a plan that
allows you to make your dental care decisions in concert your dentist.
Dental Plan Coverage
While most dental plans offer some standard coverage
such as cleanings, x-rays and other routine care, what happens if you need
emergency dental care? Dental implants, bridges and dentures may be some of
the procedures that are not covered or only partially covered. Determine right
up front what preventative dental care your dental insurance carrier offers.
Standard coverage is about the same regardless of the dental plan you select.
Where you will start to see differences in coverage is corrective dental treatments.
These treatments might include such things as tooth extractions, fillings and root
canals. Find out the level of routine corrective dental treatments coverage before
you discover you are paying for far less insurance than you think.
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Major Dental Care
Most standard dental insurance plans cover some major dental work. The bigger
issue is that this coverage is usually minimal and involves large out of pocket
expenses for you. Make sure you read the dental coverage details thoroughly
and understand what major dental care coverage you have.
Specialized Dental Care
If you discover that you have a dental issue that requires specialized care
find out how your dental insurance plan handles the referral. Some plans allow
you to search for your own specialist with the guidance of your usual dentist
while others require that you use only those specialists that they will accept.
Pediatric dentists often fall in this category.
Dental Insurance Summary
Remember the company that is providing you with dental insurance benefit
information is required by law to provide you with complete information about
your dental benefits. Your dental plan benefits should be fully explained and
should include all limitations, coverage and any exclusions that may apply.
Before you make a final decision on dental insurance make sure that you have
the coverage that is right for you and your family. You are working very hard
for your benefits as an employee, make sure you do your research and take full
advantage of your dental benefits.
Related topics: individual health insurance