4 Questions to Ask About Your Dental Coverage

Buying dental plan insurance isn’t hard, but it definitely takes some thinking ahead. That’s why — before you sign on the dotted line of your new dental insurance policy — you’ve got to get the answers to these 4 questions:

1. “Does this dental insurance pay for all of my preventative care?”
The good policies will!
Preventative care includes things like routine checkups, x-rays, and cleanings. It’s what you do to prevent bigger dental issues from popping up later. Since it’s much cheaper to pay for a couple of routine checkups each year than it is to pay for major treatments because your problem wasn’t caught early, good dental coverage will pay for the entire cost of your preventative care.

2. “Does this policy come with orthodontic insurance?”
You might think that anything involving your teeth is covered by your dental plan insurance, but that’s not always the case! In fact, many policies exclude orthodontic insurance altogether. So, if you ever wind up needing braces, you’re going to wind up with an expensive surprise!
Luckily, in many cases, you can add orthodontic insurance onto your traditional dental insurance policy. Or, be on the lookout for dental plan insurance that covers the cost of orthodontic treatments. Either way, make sure you don’t have to foot those orthodontic bills yourself!

3. “What’s the most I would have to spend for my dental coverage?”
Every dental insurance policy comes with an out-of-pocket maximum — or, the most money you would have to spend in a worst-case scenario. Once you reach your out-of-pocket maximum, your insurance company will pay for the rest of your expenses.
Just bear in mind, all dental plan insurance comes with a maximum payout — or, the most money your insurance company has to spend on you during the year. Once you hit that number, you’re out of luck. So, if you’re the type of person who needs a lot of dental work, make sure that your maximum payout is high enough.

4. “Could I save money with family dental insurance?”
If you’re shopping for dental coverage just for you, you’ll have to look for the best individual policy. But if you’ve got a wife and kids, you can save money by grouping everyone together and getting family dental insurance.
So, before you sign on the dotted line of that individual plan, make sure you don’t have anyone else you could team up with to qualify for a family plan.

You’ll get all of the expert answers you need at www.dentalforeveryone.com.

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