Family Dental Insurance, How do I know if I am buying a good dental insurance plan for my family
My job will no longer be offering us dental insurance effective in another three months. Stating that the cost increase to keep the plan is not worth it. So now I have three months to get a replacement dental insurance plan for my family.
I really do not know what to look for when it comes to buying dental insurance. I always just got whatever my job gave to us and dealt with it. Now that I am out looking for dental insurance on my own I am at loss as to what would be the best plan to get.
Can you give me some helpful advise on what I should know when it comes to buying a family dental insurance plan?
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Monday, Jul. 12th 2010 4:12 PM at 4:12 pm
First are you trying to stay with your current dentist? If so find out what dental plan they may be a provider of. That way you can look for only those dental plans.
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Monday, Jul. 12th 2010 4:20 PM at 4:20 pm
What is your budget for dental insurance. Family plan can range any where from $30- $120 or more a month depending on the type of dental plan you want.
HMOs dental insurance and Dental discount plans would be the more affordable or lower cost plans.
Where as PPOs dental insurance and Indemnity dental insurance plans are on the higher month cost range.
They all work differently so depending on your needs would depend on which plan may make better sense for you and your family.
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Monday, Jul. 12th 2010 4:25 PM at 4:25 pm
My best advise to you is to make sure you read and understand the plan terms and conditions. This is so important! Some plans have waiting periods, yearly max limits, and deductibles.
Where other plans you have to stay within their plan network of dental office providers. Knowing what each plan limitations are will save you grief latter on.
If you do have questions about a plan and you can not find the answer then call member services. They are there to help you pick the best plan for you.
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