Buying dental insurance is a good option when it comes to keeping you happily fixed with a killer smile and your teeth taken care of at all times.
However, it would be foolhardy to just enter any insurance office and buy a dental insurance policy without putting some basic factors to mind. This may leave you with a policy that is expensive for no reason and you may end up not getting the care that you desire. Here are some questions that you need to ask before committing to a particular policy.
Will the policy cover your favorite dentist?
Most people have their own private dentists and they would prefer to keep on seeing them as opposed to changing because the policy does not cover them. Once you visit the insurance company, have them outline the dentists that they cover to understand if you will be able to see your preferred dental provider under that policy. It might be easier to ask your dentist about the network he is under, as this will help you approach dental insurance firms and buy policies that cover your dentist.
What services will not be covered by the policy?
Insurance is very tricky and you certainly need to see an extensive list of all that the policy will cover as the provider might make very little effort to inform you of services that not included in the coverage scope. To ensure that you get a policy that covers all that you need, be aware of the range of services you need and while discussing the insurance plan, make sure that the services are covered. If you miss them in a particular policy, do ask for an alternative policy that might better meet your needs.
What services does the policy completely cover?
The majority of policies will offer you complete cover for all care procedures that are considered preventative. However, different plans under different insurance companies define preventative care in different ways. For instance, there are policies that consider teeth cleaning as such type of preventative care and hence completely cover cleaning services while others don’t.
This then means you need to get all information on the range of services that are completely covered by the plan. In addition, be informed of how many of such procedures will be fully paid for in one year as this also differs from one policy to the next.
Which services does the policy cover partially?
The existence of complete coverage means that partial coverage must all be in existence as far as dental policies are concerned. Partial care is mainly divided into two branches; basic and major. A majority of dental insurance policies will partially cover both of these two branches, but basic coverage will get more percentage cover as compared to the major branch. In addition to knowing the partially covered procedures, you also need to take time and study the documents to see what services each branch carries.
Does the policy cover my whole family?
To answer this question, you need to have an understanding of how dental insurers package their policies. Most will have policy plans that are structured to cover and individual, and individual plus one family member and a package that will cover the whole family. With the knowledge of the policy plans, you can be in a better position to select the most appropriate.
How to process the claims
Get all relevant information on how claims are processed. There are those that allow you to make the claims yourself while others only accept claims from the dentist. The dentist option is better as it will reduce paperwork on your part.
However, there are dentists who will charge you for making the claim on your behalf. In addition, you need to be aware that even after the claim has been made and paid for, the dentist may still send you a bill for you to pay for any services that the policy may not cover. Do not forget to ask how long the whole claim process takes.
What are your dental insurance provider’s ratings so far?
You should always get this question answered and supported by documentary evidence. Before you ask it, you might consider visiting the insurance company’s website to see any customer reviews on the services offered. With this information safely tucked in your mind, you can now ask the members of staff to give their complaint rates for you to compare.
This is a guest post written on behalf of Maslak DDS which is an authority in the dental care niche.