DENTAL INSURANCE

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Start by narrowing your search to the plans available in your state, county, or ZIP code. Insurance companies do not offer all of their plans in every area, so keep things simple by only comparing plans that you can actually purchase.

Every member of your family should get preventive care like exams, X-rays, and cleanings. Kids will need extras such as fluoride treatments, sealants, and in some cases, braces. Adult dental insurance is needed for things like tooth sensitivity, gum disease, and replacing missing teeth.

Give your family the flexibility of having more than one option. If you limit your choice to a single dentist or practice, what would you do if you experience issues with the office location or hours?

When searching for a dental care provider, the first consideration is often the monthly cost or premium. Be sure to also look at the deductibles, or the amount of money that you will have to pay out-of-pocket for dental services before your insurance kicks in.

Another important cost is the maximum annual limit. Most insurance companies cap the amount they will pay per year for dental treatment. Some plans also limit the number of certain procedures allowed each year, so be sure to figure that in to your decision.

Most routine dental treatments are covered under dental insurance. However, many plans do not cover things like teeth whitening or dentures. Other plans may cover these treatments, but only up to a certain limit. Make sure you know exactly what is covered before selecting a plan.

Also be aware that some insurance plans have waiting periods. In some cases, you may have to wait up to 18 months before getting coverage for certain procedures. This is usually true for more expensive dental work.

Different from insurance, these plans allow you to join a group where you enjoy discounts on certain services.