Tips for shopping for dental insurance

What to look for in a dental plan

In the market for dental insurance? it’s an important process that deserves your close attention. Luckily, we’ve compiled a few offerings you want to keep an eye out for when shopping for dental insurance. To get the most out of a dental insurance plan, look for coverage that:

• Has no annual maximum on the cash benefits you can receive
• Has no deductible
• Gives you the freedom to see any dentist — and enjoy savings from network providers
• Provides immediate benefits for preventive and basic care
• Pays for benefits for a wide range of dental procedures ... from cleanings and fillings, to crowns, root canals, and dentures
• Has guaranteed acceptance regardless of your dental health

Unlike dental discount plans, dental insurance pays cash benefits for covered services. Dental discount plans offer you reduced prices. When deciding which option works best for your needs, consider key things such as cost, savings, services, and the freedom of choosing any dentist.

Final boxes to check before choosing your dental coverage

Once you’ve narrowed down a few insurance plans you’re interested in that meet the above parameters, make sure to:

• Verify important coverage information like covered procedures
• Ensure this plan fits both your current and future dental health needs
• Note any waiting periods and plan details like what classifies as basic vs. major care
• Find out if you can still see your current dentist in-network
• Protect your investment by speaking with a trained and knowledgeable agent