Dr Dental – Choosing a Dental Insurance Plan

02/27/24 10:28 AM

Your employer may offer multiple dental insurance plans, or you may shop for your own one. Either way, you must choose what fits your dental care needs best. There are many things to think about when making that choice. Will you be able to see your regular dentist? Will it cover the care you need? And how much will it cost?

The cost of the dental insurance plan isn’t the only thing to think about. Your plan may also have deductibles, copays, coinsurance, and other cost-sharing requirements. These are all ways to split dental care costs between you and your insurer. Make sure you understand what your costs will be before you make a choice.

Types of plans differ in how they give you access to care and how they set up costs. Most plans have a network of providers. If you go outside the network, you usually pay more. Different plans use different methods to decide how much you pay for out-of-network care.

Before you choose a plan:

  1. Make sure you know what’s covered and what it costs.
  2. Ensure the plan’s network includes dentists and dental specialists near your workplace or home. 
  3. Check with those dentists to ensure they are still in the plan’s network and accepting new patients.
  4. Check each plan’s description online or in booklet form. If there’s something you don’t understand, ask.

If you do not receive dental insurance through work or seek a better coverage plan, contact our member service line at 310-534-3444. Our team of experts will help you understand each plan’s different options and benefits. They will guide you in selecting the best plan to provide your family with the necessary coverage at a price that fits your budget.

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