When you buy a family dental plan, you and your family get two very important benefits:
Most plans pay for all preventive services, like cleanings every six months, so everyone in the family can have better oral health. This makes the whole family more likely to go to the dentist for regular check-ups and cleanings. Preventing problems is half the battle!
When you buy a family dental plan, you and your family get two very important benefits:
Most plans pay for all preventive services, like cleanings every six months, so everyone in the family can have better oral health. This makes the whole family more likely to go to the dentist for regular check-ups and cleanings. Preventing problems is half the battle!
- Save more money because dental insurance pays for a certain percentage of both small and big dental services.
Here are six questions that will help you choose the best dental insurance for you and your family.
- Does the plan give you the freedom to choose your own doctor?
If you use a dentist in their network, some dental insurance companies will give you a bigger discount on your premiums. If your favourite dentist is not in the network, your dental insurance plan may not pay for the treatment. You should think about paying more for a plan that lets you and your family go to the dentist you want.
- What is covered by the plan? The best dental insurance plan covers one cleaning every six months and gives each member free or low-cost X-rays and fluoride treatments. Some dental plans require you to pay half of the full bill for major procedures. If your family has a history of getting good dental care, you might be able to get less coverage for major procedures.
- Are there any limits on how you can choose the best treatment? Some insurance plans limit the amount paid for a condition or the number of treatments that will be covered. If you or someone in your family has a history of not taking good care of your teeth, you should choose a plan that doesn't put many limits on this.
Which members of the family are covered by the family plan? Most dental insurance plans cover the spouse and children under 18 who live with them. Some children up to the age of 22 can get out of this rule if they are full-time students and depend on the principal for support.
- Does making a dentist appointment have built-in flexibility? Some cheap dental insurance plans put limits on when you can go to the dentist. Make sure that these planned appointments won't cause you or your family any trouble.
- How much money will you save with this plan? Whether you and your spouse buy a family dental insurance plan or use a plan offered by your employer, you will still be able to save money because you won't be paying for the whole procedure.
