Dr. Tal Lewinger Dental NewsDr. Tal Lewinger is a general dentist and owner of Marketplace Dentistry in Vaughan, Ontario practising eco-responsible (and fun) family and cosmetic dentistry and

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5 Top Tips for Finding the Best Dental Plans

Tal Lewinger - Friday, December 09, 2016

By now, you fully understand just how important it is to get dental health insurance. That is probably how you ended up here because now that you know how important it is, you need to know what you are looking for in your plan to help you decide which one best meets your need. These are 5 of the best tips for finding the best dental plans for your needs.

 

  • 1.What are Your Needs?
  • Everyone has different needs and your dental insurance company should be reflective of that. Do you have a family that also needs dental care? Are you younger or older? Your age matters because younger people typically need less coverage than adults do. Do you have any medical conditions? This is important because some medical conditions or medicines to treat them can affect your teeth so you need more coverage.
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  • 2.Caps, Deductibles, and Limits
  • Every insurance plan is different and you really need to look at something like caps, deductibles, and limits on your plans. Caps mean that after your insurance pays out a specific amount, typically anywhere between $1,000 and $1,500 a year, everything else will have to come out of your own pocket. A deductible is how much you have to pay out of pocket before the insurance starts paying out money. This is something that you need to consider when looking through plans.
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  • 3.Ask Your Dentist
  • If you do not know which way to go for your dental insurance, your dentist can be a valuable resource to you. They deal with a lot of different companies and can help point you in the right direction. They will know all about their quality of insurance and even have insight about their customer service, both important things to know when choosing a company.
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  • 4.Research the Insurance Company
  • You should take great care when researching your insurance company. You want to ensure that you pick a company that not only offers great benefits but also has helpful customer service. This can help if you have problems with billing or if you have questions about finding a new dentist. You also want an insurance company that has a great reputation. These are companies that are going to be worth the money that you pay and keep their promises for coverage without too much difficulty.
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  • 5.Look at the Network
  • You also need to take a close look at the network. This is something that you need not just to help pick a dentist if you do not already have one but to make sure that your current dentist is part of their plan. An insurance company with a good network can also help you out with an emergency if you are away from home. Say you are on vacation and you chip a tooth and cannot wait until you get home. For these instances, you will want a dental insurance plan that has widespread coverage in case you need it.

 



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