Get quality, affordable dental care can be difficult. It is important to decide what matters most to you when making the best decision for you and your family.
Start by collecting information from metdental your dentist or insurance company to get an idea of how much you spend on dental care every year. Think about the additional costs that could arise next year: Do you have a child who needs braces? Ask your dentist for cost estimates. Use this information when you answer the following questions to compare the options for the dentist plan:
9-point checklist for the purchase of dental care
1. What is the monthly premium for the dental plan?
The cost of the premium is only part of the total cost of your dental treatment. This amount depends on the amount of the benefits of the plan. For example, a plan metdetal 2019 with a low deductible (for example, $ 50) and a high annual maximum (for example, more than $ 1,500) has a higher premium than another plan with a high deductible and a lower annual maximum.
2. Which dentists participate in the dental plan network in my area?
Think about how important the choice of dentist is for you. It may be worth it to pay more premiums, co-insurance and other costs if you can keep your current dentist. metdental If you choose a new dentist, make sure that there are dentists in the network who offer the services and specialties you need.
3. Is my dentist in the network of the dentist’s plan?
If your dentist is not in the network of the plan, do you feel ready to go to the dentist? You probably pay more out of pocket if you choose a dentist who does not join the network of the plan.
4. How much do I have to pay if I see a dentist outside the dentist’s plan?
Some plans do not cover the costs of a dentist outside the network. Some cover the emergency care, others cover part of the cost, but are usually lower than a network dentist.
5. Is there a deductible from the dental plan and how does it work?
If your plan has a deductible, you usually have to pay the deductible for this care before the dentist plan pays anything. Thereafter, the dentist plan pays the percentage of the costs indicated in the benefits of your plan for different benefits (eg, 80% for routine cleanings).
Some plans exclude certain services from claiming the deductible, such as: B. routine examinations and cleaning. This means that the plan pays its share, even if he has not fulfilled his deductible.
Calculate your share of the payment for each service your family needs (for example, one wreath per year, two fillings, and so on) per year for each plan you are considering, taking into account the different deductibles that are in place be offered to any plan.
6. Is there a maximum cover per year for the dental plan?
The maximum amount is the total amount of dollars that the dental plan pays for the benefits you or your family receive. There may be different maximum levels: one year maximum for most services and one lifetime maximum commonly used for services such as orthodontics (eg braces).
Compare your estimated dental costs with the maximums of the plan and consider the other costs: premium, deductible and coinsurance: how much do you pay in total?
7. What is the coverage rate for the dental plan?
Compare the copayments or co-insurance rates of each plan with the types of services you think you need.
8. Are there waiting times for certain dental treatments?
Some plans have a wait for certain types of dental procedures. For example, you may need to be insured for six months before you can opt for orthodontic care. Think about what services you might need this year. Do you feel comfortable when you have to wait to get treatment?
9. Which dental treatments are covered?
Review the limitations and exclusions of each plan to ensure that required procedures are covered. Otherwise, you should consider the cost of the payout if you compare it to a plan that covers these treatments.
In general, it is easier if you can prioritize what matters most to you: affordability, range, or the choice of dentist. If you know this, you can choose the one for your be