Purchasing dental insurance can be a daunting decision. It may not be easy to determine which plan and coverage options best meet your needs. At first glance, the two plans may seem exactly alike. In actuality, they could be very different, especially if the two plans are offered by competing carriers.
Here are four areas you’ll want to review when evaluating dental plan options:
Network
Dentists who participate in networks agree to accept fees substantially lower than retail. Also, the larger the network, the more likely your dentist participates. With 145,000 dentists in its combined PPO and Premier networks, Delta Dental has the nation’s largest network.
Cost Management
Insurance premiums are only one measure of a dental plan’s true cost. You’ll also want to compare each plan’s annual maximum, deductibles and covered services. Look for a plan that encourages preventive care. Individuals who manage their oral health by seeking preventive care tend to have lower long-term dental costs, as they typically catch issues before they become too serious or expensive.
Service
Customers must have confidence that they’ll be taken care of after signing on with a certain plan. Look for service statistics, such as how quickly phones are answered, claims are paid, and any problems are resolved, to give you confidence that you will receive the service you expect.
Dental Expertise
Medical and dental coverage operate under very different models. While medical coverage focuses more on treatment, dental coverage concentrates on prevention. Furthermore, building and maintaining an effective dentist network is much different than building a network of medical care providers. Look for coverage from a dental expert – one with a commitment to your oral health.
Since 1972, Delta Dental of Arizona has worked to improve oral health by emphasizing preventive care and making dental coverage accessible to a wide variety of employers and individuals. Founded by dentists, we offer dental coverage plans that are based on current research and designed to keep people at their healthiest and most productive.
We hope this information will help you choose the best plan option for you and your family. However, if you have more questions, we’re happy to help. Give us a call at 602-938-3131 to review your specific plan options or visit deltadentalcoversme.com to learn about our Individual and Family Dental Plans.
