4 Questions to Ask When Buying Dental Insurance

Buying dental insurance doesn't have to be daunting, but it is important to understand your coverage.
It’s important to make sure the dental benefits plan you buy meets your family’s needs.  For most plans, preventive care is key.

Dental health is important. Twice annual dental visits keep your smile looking good and the health of your teeth has a clear connection to your overall health.

So why do so many people have tooth troubles? Well, dental care is often overlooked until tooth pain drives you to the dentist, and in some cases, the emergency room. Many dental benefits plans focus on preventing painful tooth issues, not fixing them after the fact. The reason for this is quite simple: Most dental problems are easily avoidable. In fact, common conditions like cavities and gum disease are nearly 100% preventable.

Here are 4 questions you should ask when buying individual dental insurance:

  1. What is the deductible? The deductible is the total amount you must pay toward treatment before dental benefits are paid. Nearly every dental insurance plan will have a deductible.
  2. Does the plan have a lot of network dentists? Make sure you choose a plan with a large number of network dentists. A network dentist has an agreement with the dental insurance company to provide covered services to subscribers. The larger the network, the more choices you will have when selecting a dentist.
  3. What services are covered? Many dental insurance plans cover preventative measures, but you may also be able to choose a plan that covers a portion of advanced procedures.
  4. Can I afford this plan? Be proactive when researching dental plans to make sure you’re getting the best plan for your financial circumstance.

Individual and family dental insurance plans are available for purchase on the Federally-facilitated Marketplace at Healthcare.gov or on individual carriers’ websites, such as deltadentalcoversme.com.

Do you have questions about buying dental insurance? Leave them in the comments!

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Leah Martinez
Leah Martinez serves as a social media analyst for Delta Dental of Arizona. In college at the University of New Mexico, Leah took the path of no return and majored in Chemistry with healthcare on her mind. After learning direct patient care was not her forte, she landed a job as the advertising manager at University of New Mexico's college newspaper “The Daily Lobo.” It was this job that turned her on to her skills in digital marketing. Since joining Delta Dental in 2012, Leah found her niche, as the constant education and learning in social media brings out the true geek in her. In her spare time, Leah enjoys snowboarding, snowmobiling and riding dirt bikes. (Did we mention she's based in Colorado?) [Editor's Note: Leah is no longer a current DD employee.]