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Many people have mentioned lately that their employers are no longer providing dental insurance. With these comments in mind, we’d like to share a few things with you that may help as your start your search for privately purchased dental insurance.
Many companies offer insurance you can purchase directly rather than through an employer. When you call to discuss available benefits, it is important to weigh the cost of what you will pay for monthly coverage versus paying for care out of pocket. For instance, would your monthly payment cost more than your routine cleaning, exam and x-rays? Are you a higher risk patient needing fillings, crowns or other dental work? If you pay more for your benefits than you receive in services, consider paying out of pocket and receiving a discount for doing so instead. Our practice does offer a discount for those who pay out of pocket. Other important question to ask the insurance agent is if there are waiting periods on the plan. A waiting period is generally a 6 month to 1 year time in which you pay monthly for your benefits, but receive coverage only on cleanings, exams and x-rays until that waiting period is over. During this time frame, fillings, root canals or crowns may not be covered, yet your monthly payment remains the same.
Insurance can be confusing! So, call an insurance agent for options and details, then call our qualified front desk team to discuss any questions you may have. We are happy to help with anything that will keep you wearing a healthy smile!