With the rising prices of just about everything nowadays, it's really a wise decision to prioritize the things that are more essential and consider which things you can do without. One example is whether you need to purchase a dental insurance plan or not. Either you get one on your own or as a benefit from your company, its important to consult the following pointers before signing on the dotted line.



Affordability and Yearly Maximum

The yearly maximum is the amount that the dental insurance plan is offering to pay for you dental fees in on year. It automatically renews the next year but if you have unused credits, you can no longer be carried over.

In/Out of Network Dentists

Most independent insurance plans will only pay for you dental services if you go to their contracted or participating In-Network Dentist. Try to see if the plan requires you to see their participating dentist for your fees to be covered by the insurance company or if you can choose your own. If they do require you to see a participating dentist, ask for a list affiliated dentists in your area that you might consider seeing.

UCR (Usual Customary and Reasonable)

Very common among dental insurance companies use what is called a Usual, Customary and Reasonable (UCR) fee guide. This means that the fees covered for every dental procedure is based primarily on the company's discretion, oftentimes based not on what the dentist charges, but on what the company wishes to cover.

Should you choose to go to a participating provider, you should not be charged extra for the dentist's regular price. This is due to the agreement of company and the participating dentist to write off the difference of the two prices. If you prefer to choose a dentist of your own, always check the insurance's UCR fee guide.

Dental Insurance Coverage Types

Most insurance companies break dental procedures into three categories:

1. Preventative

This includes routine cleaning and examinations, but sometimes X-rays, sealants and fluoride can also be considered as preventive or basic dental care depending on the specific insurance carrier.

2. Basic or Restorative

Fillings, root canals and simple extractions are grouped as basic or restorative dental treatment, but root canals are sometimes considered as basic or major, although the majority of dental plans list root canals as basic.

3. Major

Most dental insurance companies classify bridges, dentures, crowns, partials, surgical extractions and dental implants as a major procedure.

Note that some insurance plans don't cover major procedures; others still, have waiting periods for certain procedures. That is why it's very important to clarify which dental procedures fall under which category. If you know you will need a major dental work and that procedure is not covered by a certain plan, try to find another that best suits your needs.

Dental Insurance Waiting Periods

Waiting periods are periods at which insurance companies make you wait after you are covered before they will pay for certain procedures.

Missing Tooth Clause and Replacement Period

Most dental insurance policies carry a "missing tooth clause" or a "replacement clause." A missing tooth clause means that the company won't pay for the replacement of a tooth that was missing before the policy has taken effect. A replacement is somewhat similar with the exception that the company wont pay the replacement procedures until the specified time limit has passed.

Cosmetic Dentistry and Dental Insurance

Cosmetic dentistry which encompasses teeth whitening, veneers, lumineers and other procedures are done for vanity purposes only. While the effects are gorgeous, keep in mind that almost all dental insurance companies doesn't cover cosmetic dentistry.

Comprehensive Coverage

Before you decide on purchasing a dental insurance, talk to your dentist first. He will help you decide if purchasing a dental insurance would be the best option for you. After all, a dental insurance is not at all similar to a medical insurance. It is only intended for covering the most basic dental care needs and does not provide a comprehensive coverage like that of a medical insurance.

Dental Insurance Summary

To help you with your finances on covering for your dental health, many dental offices are now offering zero-interest plans that compensate the small portion that dental insurances cover.