Dental Insurance General Information

With the rising cost of going to the dentist, many people are struggling with the decision of whether or not to purchase dental insurance. Whether you are considering buying dental insurance through your employer or independently, be sure to investigate several different plans and ask questions about the factors listed below. This information will help you choose the right dental insurance plan before signing on the dotted line.

 

Affordability and Yearly Maximum

The yearly maximum is the most money that the dental insurance plan will pay within one full year. The yearly maximum will automatically renew every year. If you have unused benefits, these will not roll over. Most dental insurance companies allow an average yearly maximum of $1,000.

 

In/Out of Network Dentists

Most independent dental insurance plans will only pay for your dental services if you go to a contracted and participating In-Network Dentist. Find out if you are required to go to a participating dentist or if you canchoose your own. If the plan requires that you see an In-Network Dentist, ask for a list of the dentists in your area with whom they are contracted so you can decide if they have a dentist you would consider seeing.

 

If you wish to stay with your current dentist, some policies allow you to see an Out-of-Network Dentist, however, the costs covered may be significantly lowered.

 

UCR (Usual Customary and Reasonable)

Almost all dental insurance companies use what is called a Usual, Customary and Reasonable (UCR) fee guide.