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Evaluating Dental Plan Options

By Jill Hamilton on September 25, 2014 in Insurance


What to consider when choosing a dental plan.

Do you have a choice to make about your dental plan? Perhaps your employer offers more than one dental plan – and you're wondering if there's a difference. 

Well, there can be a lot of differences. Review your options to see which one is the best fit for your family.

Network

Dentists who participate in networks agree to accept fees substantially lower than retail. Also, the larger the network, the more likely your dentist participates. If your plan lets you see any dentist, that usually means that you'll end up paying retail prices. A strong network helps manage costs since network dentists agree not to “balance bill” consumers more than the negotiated fees.

Delta Dental, with dentists in its combined PPO and Premier networks, has the nation's largest network. With an average of 4 out of 5 dentists participating – it's a sure bet you'll find a dentist near you.

Cost Management

Premium cost is only one measure of a dental plan's true cost. A strong plan will also help customers manage their dental health by encouraging preventive care. This reduces long-term dental costs and could also have a significant long-term impact on overall health and health care costs.

Make sure your plan covers preventive care as well as other services you need.

Service

Customers must have confidence that they'll be taken care of after signing on with a certain plan. Look for service statistics, such as how quickly phones are answered, claims are paid, and any problems are resolved, to give you confidence that you will receive the service you expect.

Dental Expertise

Medical and dental coverage operate under very different models. While medical coverage focuses more on treatment, dental coverage concentrates on prevention. Furthermore, building and maintaining an effective dentist network is much different than building a network of medical care providers. Look for coverage from a dental expert – one with a commitment to your dental health.

Now you're armed with the knowledge you need and you're ready to choose the best plan option for you and your family. But, if you have more questions, we're happy to help. Give us a call at 800-544-0718 to review your specific plan options.

If you're looking for coverage, visit www.deltadentalia.com to review our individual and family plans.