While most of us dislike going to the dentist, we dislike the problems and the pain caused by not going to the dentist.
Not having dental insurance coverage makes going to the dentist even more unpleasant because of how much even simple routines cost us.
If you are without coverage and are in search of it, it's a good idea to compare dental insurance coverage plans before you commit to one.
There are vast differences in policy terms, cost, etc.
Below is a list of the five most important factors to consider when you compare dental insurance policies.
1) Does the specific plan allow you to choose your own dentist? If so, how extensive is the list of approved dentists or is it unlimited? Some people feel very comfortable with their specific dentist and not being able to go to him or her would be a deal breaker.
For others, they couldn't care less.
Decide what's important to you and pick a plan accordingly.
2) Find out what the coverage is for each specific procedure.
Some plans specialize in major surgeries but don't cover as much for standard check ups.
Other plans are the opposite.
Find out what your co pay amount is and what percent of the cost of each procedure is covered.
Pay special attention to certain procedures you anticipate getting done.
3) Similarly, the out of pocket cost to you for prescription drugs can vary plan by plan as well.
Find out and compare dental insurance drug coverage while reviewing the policies that you are considering.
4) Look at the specific terms of the cost.
Some insurance companies will nickel and dime you to death.
They will quote you a certain monthly or annual cost, but when you receive your bill, you will see added charges for things like processing fees.
Find out before committing, what extra charges, if any, will be added on.
5) If you are looking for a family plan find out what the coverage is for procedures on children.
Some policies will be better for adults and others will be more cost effective for children.