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FAQs

Dental Insurance Options

Unlike many medical insurance plans, dental insurance plans encourage preventive measures. They generally encourage regular dentist visits, and provide basic preventive dental care, in the hope that more serious dental problems may be prevented later on. Their theory is that dental preventive care results in both cost savings for the plan's provider and improved dental health for patients.

Dental plans vary widely in their approaches to dentist selection, payment options, costs, and benefits. The coverage you receive and the costs you incur will largely depend on the choices made by you and your company. Many businesses let their employees choose between two or more plans. Differences between plans can be significant.

Any plan is likely to have both benefits and drawbacks. Your company will likely provide you with the information you need to compare the dental insurance plans.

If a choice of plans is available to you, there are a number of important questions to consider before deciding which one is best for you and your family.

Consider These Issues
Your answers to questions such as these will help clarify what plan will provide you with the best possible care.

• Are there fixed dollar limits on coverage?
• Are any forms of treatment excluded from coverage?
• Are there participating dentists within a reasonable distance of your home or office?
• What co-payments are required?
• Does the plan cover adequate preventive care, such as cleanings?
• Does the plan cover emergency care?
• Does the plan cover emergency care when away from the home or office?
• How important is it to choose your own dentist?
• Will the plan cover all of your family members?

The business assistants at your dental office are familiar with most dental insurance plans. Give them a call to see if they can help you decide which plan to choose.