Choosing any type of health coverage comes down to asking the right questions. Although many times which plan you choose comes down to its respective expense, it’s still advantageous to look a little deeper at each plan to know what you are signing up for. Dental coverage is no exception.
If you find yourself wondering if its time to consider dental insurance, here are three top questions you need to consider as you look into different plans offered in your area:
Who Are You Signing Up?
Each person within your family may come with different dental needs. Various dental plans come prepared to help you pay for only the yearly cleanings and other routine maintenance. Others can assist you in oral procedures such as braces, dental reconstruction, or root canals.
Depending on the age of the people in your family, you may want to consider a certain dental insurance plan because, for example, braces may be in your future. Or, if you have a genetic history with gum disease or other issues, you’ll need to choose a plan which helps you considerably in carrying out those procedures.
Know What Your Plan Covers
Most dental plans are considered preventative, meaning the insurance plans pay for your annual visits and all they entail. If that is all you, your spouse, or dependents need, you’re in good shape! However, if at any point in time you’re confronted with assistance during an emergency such as a chipped tooth or root canal, the coverage is no longer 100%.
Do you think your kids will need braces some time down the line? That too, has a different policy for coverage depending on which plan you choose when signing up for dental insurance.
Does Your Dental Plan Have A Limit?
No one enjoys getting bills in the mail, but the hardest bills to get are after any type of healthcare service. The most important thing to realize is that dental insurance is not like health insurance. Dental insurance comes with an annual “cap,” or limit which is much lower than what you may be used to expecting with your health insurance.
If dental and oral procedures are in your future, make sure you are aware of exactly how much your dental plan covers in an entire year. It’s also possible your particular dental plan may offer a higher annual limit if you pay a higher premium.
Don’t Wait Till It’s Too Late
Regardless of what the answers to these questions lead you to decide, don’t wait till it’s too late to get the coverage you need. Whether you think you need dental insurance or not, always keep in mind that every dental plan has a waiting period before your benefits are initiated. Contact Kosciusko County insurance agent, Michael Suhany, today to start the process of getting the exact coverage you need!