Choosing The Right Insurance Plan
Choosing the right kind of dental health insurance plan you need for yourself and your family should take some time. You do not want to choose one too quickly, and the more you know about dental insurance before choosing the better plan you can get.
Private dental insurance will usually be your best choice, but it does depend on your budget. Most dental insurance plans have a waiting period, so you cannot buy a plan and get benefits from it immediately for urgent dental needs.
You will often need to wait for one to three months before you can get basic services such as a filling; and three to six months before you can get an extraction, a root canal, or a crown. You will need to wait a year or longer for services such as bridges, implants, or dentures.
Unlike your medical insurance, dental insurance companies focus on preventive treatment. This means that they will usually pay 100 percent of the cost of dental cleanings, and x-rays. They usually pay about 80 percent of services such as fillings, root canals, and other basic treatments, and only 50 percent of crowns, bridges, and major procedures. Many plans will not pay for cosmetic dentistry or orthodontics.
There is also usually a low cap on dental insurance. This will typically be between the $1,000 to $1,500 range.
One way to get the dental insurance coverage you need is to talk to the dentist you like and find out what insurance plans they accept and ask which one they might recommend for your specific needs.