Dental 4 Less: Getting an Online Dental Insurance Quote.
Is it just me, or is it all too much when shopping online for dental insurance? I must have been to at least ten dental insurance sites (some better to understand than others), and after going through the first few sites, the plans seemed identical. That or I find a plan on one website and then find it again on another, but the information about the plan was completely different from the coverage cost, even though it was the same plan as far as I could tell.
How can I tell what plan is best for me and which site provides correct information? I do not want to get caught up in a scam. What tips can you give me on buying dental insurance online and feeling safe about it?
Reply: It is necessary to know that insurance companies may offer many different dental plans just because the plan is, though, say, Delta Dental, and you see a few Delta Dental plans, they very well can still be all different plans from one another. The difference could also be minor, such as differences in max limitation or waiting periods. Reading the plan’s terms and conditions is essential to know which would best suit your dental care needs.
Although shopping out your dental insurance plan is vital, you should also limit your shopping so you do not get burned out. Know the basics of what it is you want in a dental plan. Say you want a PPO dental plan with at least a 2000.00 max limitation per person. You, therefore, would not bother reading anything on an HMO plan, and you can quickly look for the maximum limitation on any PPO plan and not bother with those with less than the $2000.00 max. This is one quick way to void reading about plans that will not work for your needs.
It is also possible that you are pulling up the same dental insurance plan on a few websites. That is nowhere near out of the norm, as they happen to be selling the same plan. One way to ensure you buy a dental insurance plan is to purchase insurance from a licensed insurance agency. If you are, they will list their license number and, in most cases, a link to the Department of Insurance so you can verify that they are, in fact, a licensed agent and for how long.
If you have any questions about the dental insurance plan options we provide, please call our member services line at 310-534-3444.