Is a Dental Insurance Plan Necessary?

Dental Insurance Plan: A woman using a pen writing on bank account book while holding the bills to calculate expenses

As we wind down another year, it’s time to start planning for the next one. For many people, this includes decisions about health and dental insurance plans.

Are you in the market for a dental insurance plan? Or, do you want to make changes to your current plan for the year ahead? Consider these factors before you decide on coverage.

Know Your Current Dental Insurance Plan Coverage

If you have treatment outstanding, please reach out to us soon so that we can complete it before the year is out, especially if you have already met your deductible for the year.

Plan for the Year Ahead

Dental insurance may not be ideal for everyone. When considering whether or not you can go without it, you may need a calculator to help you decide.

Begin by adding the cost of monthly premiums and copays required during the year. Next, compare that to the full, total costs of the same services. Remember to include the cost of preventive care. Once complete, compare the two to determine which costs more.

If your family includes children or if you’re prone to dental issues, a dental insurance plan may be a good idea as it may help to reduce out-of-pocket expenses for your household.

Factors to Consider When Choosing a Dental Insurance Plan

When selecting a dental insurance plan, there are several factors you want to keep in mind:

  • Pre-existing conditions: Some plans exclude pre-existing conditions. Be sure to read the fine print.
  • Waiting periods: Check to see if the plan requires a wait of six months or more before your coverage begins.
  • Limitations: There may be coverage limits. For example, does the plan only cover one crown or implant per year? If so, you may need to find a more flexible plan based on your dental care needs.
  • Maximum coverage: Most times, dental insurance plans will only cover about $1,500 per year once the deductible is met.
  • Copays: Your dental insurance plan will most likely have copays, even after the deductible is met. Copays can be 50%–80% of the total cost, depending on the service and provider.

We’re Here to Help

Whether you have dental insurance or not, we’re here to help! To schedule your end-of-year visit, complete our online form or call our office at 708-448-7588.

Is a Dental Insurance Plan Necessary? was last modified: November 23rd, 2022 by Palos Heights Family Dental