There’s no question about the necessity of dental care. From a simple cleaning to a root canal, sometimes, dental work cannot be avoided. Unfortunately, it can also be expensive. If your job does not provide you with dental insurance, you may have to find and purchase it on your own. Dental insurance is a significant expense, and can end up constituting a great deal of wasted money if it doesn’t meet your individual needs.
However, there are a few things you can take into consideration to determine which dental insurance plan and provider are right for you.
When choosing dental insurance, there are two major things to consider: the options you want, in terms of dentists, and how much you can afford to pay. If the dentist you are already seeing or the dentist you choose to begin seeing is included in the insurance provider’s network, then you will most likely be able to opt for a less expensive plan. If you are already seeing a dentist that is not in the provider’s network, it may be in your best interest to switch to an in-network provider. Out-of-network plans can end up costing you so much more that it may not benefit you to have dental insurance at all.
To ensure that you are only paying for what is individually applicable to you, you should also consider the oral and dental health challenges you are most likely to face. Typically, this can be determined based on age and family history. If you are between the ages of 20 and 39, a plan that covers basic cleanings and check-ups is probably best for your interests. However, people in this group are more likely to starting a family. In this case, a plan that includes enhanced benefits for additional dental care during pregnancy may be beneficial.
If you are between 40 and 59 years of age, you are more likely to need restorative dental procedures, from fillings to root canals. A plan with higher annual maximum and lower deductibles is probably best for you. You should look for a plan that provides a variety of choices and access to industry experts to help you manage the oral and dental health challenges of aging.
If you are over the age of 60, chronic dental and oral health conditions, such as periodontal disease or dry mouth, become more likely. As you are more likely to have chronic diseases or be experiencing dental and oral side effects from medication, a more extensive dental insurance plan may be necessary. A plan which will help you to manage the medical expenses associated with chronic conditions would be most beneficial for members in this age group.
Navigating the dental insurance search on your own can be difficult, but by considering cost management, network availability, and applicable health issues, you can find the dental insurance plan that will cover your individual dental health needs at a price you can afford.