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INSIGHTS INTO INSURANCE

2. Insights into Insurance — What should I look for when buying dental insurance?

What should I look for when buying dental insurance? If you're looking for dental insurance, it's important to understand what you're buying.


First, make sure the dental insurance policy you choose covers the services you're most likely to need. When Americans age 60 and older were asked in a recent survey about the dental services they get most often, preventive care was at the top of the list, followed by fillings, crowns and root canals.


Second, understand that most dental insurance policies have waiting periods for things like crowns and root canals. These waiting periods help keep your premium costs affordable. However, some policies offer immediate coverage for preventive care, which means you can get a dental checkup as soon as your insurance policy is in place.


Third, be aware that many dental insurance policies have deductibles and annual maximums, which put a cap on how much your insurance will pay in a year's time. Look for dental coverage with no deductibles and no annual maximum on the amount of benefits you can get.


Finally, if being able to choose your own dentist is important to you, be sure to look for dental insurance with a large provider network. In most cases, you'll save money by seeing a dentist within the plan's network.


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