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5 Things to Look at when Buying Dental Insurance

By on February 23, 2016 in Insurance

Purchasing the proper dental insurance is essential when it comes to taking care of your teeth. For many people dental insurance is one of those things you hate to pay for until you need it. The cost of a root canal or tooth implant can add up quickly and when it comes to orthodontia the price can sky rocket. These costs make the decision of selecting the right dentist for yourself and your family extremely important.

No matter if you are picking one of the plans offered by your employer or looking to buy a dental insurance plan independently, it is important that you take the time to analyze a variety of options. 5 things you will want to look at when buying dental insurance are:

Annual Coverage & Cost

One thing to note is the yearly maximum coverage that a dental insurance plan offers. If your experience with the dentist is limited to 6 month cleanings you may be able to save some money on the insurance premiums by having a lower annual benefit max. However, if you have issues with cavities or expect some work to be done you may want to pay more for a larger yearly coverage maximum.


When deciding on a dental plan to buy, take a look at the provider network. If you already have a dentist you like, make sure they are participating in the network. However, if you are looking for a new dentist, make sure insurance plans network has enough coverage in your area. No one likes having to drive an hour to go to the dentist.

Service Coverage

Your dental insurance plan will separate the services offered a dentist into 3 different group: Preventative, Major and Restorative. Different plans with cover each category differently. Make sure you understand what is and isn’t covered and by how much.

Waiting Periods

Before picking a dental insurance policy, you will want to see if there are any waiting periods. Some insurance companies use waiting period as a way to make you wait before certain procedures will be covered.

Cosmetic Dentistry

Looking for teeth whitening or bleaching? If you are looking for any cosmetic procedure you should understand insurance companies rarely cover these types of services. If you find a dental plan that does cover cosmetic procedures be prepared for a much higher rate.

About the Author

About the Author: Husband, father, tech junkie and sports enthusiast. I have owned and operated as well as a number of others sites since 2005. .


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