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Tips for Choosing the Best Dental Health Insurance for You and Your Family in 2020

family dentist

Dental care is critical for your overall health. Poor oral hygiene can be linked to endocarditis, diabetes, cardiovascular disease, pneumonia, and HIV/AIDS. This is why dental insurance is just as important as general health insurance. And if you have a family, you’ll want to get a family dental insurance plan to keep them covered too.

But with so many dental plans available, choosing dental insurance can get overwhelming. We’re going to give you some tips to find what’s best for you and your loved ones.

Ask for a Bundle

If you’re happy with your health insurance provider and plan, you can ask if they do any bundling with dental coverage. This way you can get a lower rate per family member covered. It can also be easier and less expensive than finding a new provider.

Having all your coverage under one family dental insurance plan will make it easier for you to manage and more convenient when you have a busy schedule with children. You’ll only have to remember to pay one bill, have one network of doctors, and interact with one customer service support.

Think About Your Family’s Needs

When looking at dental plans and what they can offer, you need to consider your family’s needs. If you have young children, they’ll need extra services like dental sealants, X-rays, and possibly braces. Make sure your plan covers these things to keep your kids teeth healthy.

You should think about the adults in your family when choosing dental insurance, too. As we age, our teeth become more prone to disease and could fall out. If you’re in the senior age bracket, you’ll want to know what will be covered for your needs, such as dentures, tooth sensitivity, or gum disease.

dental implant model

Find a Plan With Dentists in Your Area

No one likes to drive far away to see their dentist, especially when they’re taking their kids. Finding a family dental insurance plan with a network close to where you live will make it much better for you and your family. When there’s an emergency or an extra appointment required, you’ll only be a few minutes away from the office.

dental x-rays

Understand Extra Costs

When you’re looking at dental plans, you need to know what’s covered and what you’ll have to pay out of pocket. Services like cleanings and checkups are usually fully covered with most plans. However, treatments like filings, braces, and pulpal therapy might have different costs.

Your family dental insurance plan might partially cover some of these additional procedures, but other plans may not. Before signing up with a company, make sure you know what will be an additional cost. This way, in the future, there are no surprises.

Make Sure Your Plan Has Several Dentists Available

If your plan only has one in-network dentist in your area, you might want to look for others. There may be some complications, or you might not be happy with their service. But if they’re your only option, you’re stuck with them. This would not be beneficial for you or your family.

Having options to choose the dentist will make you feel most comfortable. Before choosing a dental insurance plan, you could go to the dentist’s offices in your area and ask which companies they work with. If you find one that seems to be the best fit for your family, you can pick a plan that works with them.

model of braces on teeth

Learn If Specialists Are Covered

There are some things your primary dentist won’t be able to do for you. You or a loved one will need an oral surgeon if an operation is required. When you or your children need braces, they’ll need to go to an orthodontist.

On average, traditional braces can cost anywhere from $3,000 to $7,000. Without coverage, this is a hefty amount to pay out of pocket. And the costs add up if you have more than one child who needs braces.

You should know if these types of specialists are covered with your family dental insurance plan. If not, it’s possible to add extra coverage to your policy to reduce your expenses. Keep in mind, you can save even more with a dentist and orthodontist together.

The Bottom Line

Having a healthy smile is vital for the health of you and your family. Dental insurance will help you pay for checkups, cleanings, and other procedures based on your plan.

Use our tips to help you find the correct plan. Remember to ask for a bundle, think about your family’s needs, look for coverage in your area, know the extra costs, use a plan with options, and understand if specialists are covered.