It’s open enrollment season, which means once again you’re tasked with choosing a medical and dental plan that’s right for you. The problem is, a lot of companies make it difficult to understand what’s included in insurance, what their annual maximums are, and what care each plan covers. That’s why we wanted to share some tips for choosing a dental insurance plan that best fits your needs so this year during open enrollment, you can feel confident when choosing a plan!
Tips for Choosing a Dental Insurance Plan
When electing into your 2019 benefits through your employer, make sure you look out for a few aspects:
- Before purchasing a plan, check to make sure your dental plan covers basic services completely. For example, preventive and diagnostic care services should be covered at 100%. Some plans don’t count preventive and diagnostic work towards your maximum and this provides you extra dollars for other services. Also, be sure to choose a plan that includes coverage for both general and specialty work such as fillings, extractions, or crowns. This will help reduce your bills now and in the future.
- Pay attention! Unfortunately, some dental insurances may seem like a good deal, but they have a lot of fine print such as excluded care and services, waiting periods before you can use it, or payments made according to a reduced fee schedule. Pay attention to ensure your insurance offers coverage with no strings attached!