Generally there are two forms of coverage when it comes to your dental health. The first is insurance, which is typically offered through your employer. The other type is dental health plans. These plans are designed to cover your dental expenses but are priced in a different way than traditional insurance. Dental health plans typically charge a yearly or annual fee versus a monthly or biweekly deduction. There are some upsides to choosing a dental health plan. The first is that in most cases, your selection of dentists is unlimited. You may choose any dentist anywhere in the United States if you so desire, but it’s still wise to be sure that they will accept your plan before making an appointment. There are other important things to look for when seeking out dental health plans. First, find out what percentage is covered, and for which procedures. Most plans cover anywhere from ten to sixty percent of all major procedures. Another factor to consider is waiting periods. While most insurance companies require a minimum waiting period before you can reap any benefits, dental health plans usually do not.
Customer service is essential in any business, and so you should also see what kinds of services are offered for your dental plan. Is there a 24 hour toll free number so you can get in contact with someone if you need to? How quickly do they respond to your needs and questions? This is a very important factor in choosing the right dental health plan. Look into discounts for covering the whole family versus an individual as well. A great plus with dental health plans is that they do not require filing of claims or tedious paperwork. Most plans will cover you immediately upon enrollment so there are not a lot of forms to fill out. Be sure to check and see if the plan you choose covers preventative services such as cleanings as well. Once you’ve found the right dental health plan for you, you can rest easy knowing your oral health is in good hands.