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How to Choose a Dental Insurance Plan
Dental insurance provides you with an affordable means of paying for a wide range of dental services. Dental plans can be standalone or integrated with other medical insurance, and can be offered by an employer or through the health care exchanges.
If you want to save money on your dental coverage, you should compare plans that have no deductible or a low maximum. This will reduce your out-of-pocket costs and the amount of time it takes for your coverage to kick in.
Dental Insurance Terms to Know
100-80-50 Cost-Sharing Model
Most dental insurance plans use a 100-80-50 cost-sharing model, paying for 100% of preventive and diagnostic services (teeth cleanings), 80% of basic dental services (fillings) and 50% of major procedures (crowns or root canals).
Discount Dental Programs
If you don’t have dental coverage from an employer, you will find that many companies that claim to offer dental insurance are actually selling discount plans that provide discounts without actual insurance benefits.
Deductible
Most insurance plans require you to meet a deductible before they will begin paying for your services unless it is preventive care (deductible usually not required for routine cleanings). Once the deductible is met, the insurance will start to cover a percentage of the cost of the services.
Co-Pay
A copay is a fixed amount that you must pay for each visit to your dentist. These are typically set by your insurance company, but can vary by state.