When it comes time to get a new dental health plan, you have to do your homework if you want the best deal. That means shopping around and getting a number of dental insurance quotes.

But just getting any ol’ quote isn’t good enough. If you want to make a smart decision, you’ll need quotes that give you information about:

1. Monthly premium payments

This is the biggest piece of information that you’ll get in dental insurance quotes. After all, a dental health plan does you no good if you can’t afford it! Typically, a good dental health insurance plan will come with affordable premium payments. If you find an individual plan that wants you to spend more on premiums than the cost of a few value meals at your favorite food restaurant, you can do better!

2. Deductibles and copays

While premium payments are important, they’re not the only things you’ll have to pay under a traditional dental health plan. You’ll also be responsible for paying certain copays and meeting specific deductibles. That’s why good dental insurance quotes will include all of this information – so you can get a sense of how much you’ll have to pay out of pocket under each plan.

In many cases, lower premiums will mean higher deductibles. So, you’ll have to decide what kind of options you want before you sign on the dotted line. For example, if you can’t afford a $5,000 deductible, you might need to pay a little more in premiums each month, so that your deductible doesn’t bankrupt you later.

3. Policy exclusions

Good dental insurance quotes may not list out every single detail about each policy, but they will tell you if certain policies exclude certain things. For example, orthodontic coverage might cost extra on some policies, or it might be included with your basic coverage. Either way, you’ll need to know exactly what you’re getting.

This is particularly important for family dental insurance quotes. After all, when you’re shopping for family dental insurance, you have to make sure that the policy will work for each member of your household. Looking at the exclusions will show you if every member of your family will get good bang for their buck under a dental health insurance plan.

4.Stuff that’s easy to understand

Even if you’re not a dental health plan whiz, you should still be able to figure out exactly what everything means on your quote. After all, how are you supposed to make an informed decision if you can’t make heads or tails out of it?! If the dental insurance quotes you’re looking at don’t make any sense, it’s time to find a new resource to help you!