How To Choose The Right Dental Plan

One of the key findings in the National Health Nutrition Examination Survey 2010 revealed that two out of five people have dental caries left untreated. The survey also reported that a quarter of the respondents have undergone dental restoration.

Even children are not spared from poor oral health as twenty-seven percent of young people aged 5-19 already have a dental sealant. These studies, led by the National Center for Health Statistics, reflect the deteriorating dental health of the American population.

Preventative oral health care can be accomplished by having the right dental plan. Seeing a dentist regularly can help prevent teeth and gum conditions which can worsen later. Once oral health suffers, you’re not far from costly treatments down the road.

Before choosing a dental plan for you and your loved ones, there are certain factors to consider such as:

1. Network – A large network provides you more options when it comes to choosing dentists. If you have a family dentist who is not a member of any health network, the service fees are more expensive. Dentists who belong to a health network provide discounts to lower the costs.

2. Costs of the plan – Most people immediately look up at the plans cost and make decisions based on figures. First, there are many providers for this kind of plan so you can always get competitive rates.

A better feature that should come with your plan is preventative health care. Sensible dental professionals always encourage people towards prevention as much as possible.

3. Service – This factor should be more valued than the cost of the plan. A dental procedure is often viewed by many patients as unpleasant or even painful. Incompetent service from a health insurance provider can make matters worse.

Simple things such as prompt response to calls or email inquiries and efficient payment of claims make a difference. A dental problem alone is hard to manage and intolerable at severe cases. Having a dental plan from a dependable carrier can make your burden easier.

4. Extra Benefits – Some carriers provide enhanced benefits with no extra cost. People with special medical conditions such as diabetes, pregnancy, oral cancer, among others can expect the same coverage for free. Check for carriers that provide these features in their plan.

Aside from these factors, closely inspect the dental plan’s various categories for coverage. This is where the difference in reimbursement often lies. As a dental procedure becomes complicated, the reimbursement goes lower.

Also, expect a document known as Explanation of Benefits (EOB) from the carrier after visiting the dentist. This form details all the services provided to you, dental fees, and other payment owed in case a particular procedure is not covered by the plan.

Other important details can be supplied by your carrier to the EOB. Before signing any contract, make sure you understand what’s written in the fine print. A dental assistant can assist you in explaining the details of the EOB.

Choosing the right dental plan is not that difficult nowadays. You can canvas for two to three carriers before making a decision. Compare all the factors mentioned so you can get the plan that’s appropriate for your needs. Just make sure that you are covered by a dental plan for proper oral maintenance.