Well it’s that time of year again, if you are lucky enough to still receive insurance benefits from your employer its time for open enrollment and the headache of trying to pick new policies. It doesn’t have to be so difficult if you do a little research and pay close attention to the exclusions and limitations they try to sneak past you.
First thing to do is evaluate your dental needs. If you just come in every six months for a routine cleaning and that’s it then a pretty basic policy should be just fine. If you are like the other 70% of the patients that need more extensive dental treatment then you want to be more cautious at selecting a new policy.
Be sure to look for things like waiting periods. Some of the new policy will make you wait 6 or even 12 months before the will cover your basic (filings or extractions) and major ( root canals, crowns, implants) if you need these kinds of treatments right away this plan isn’t for you. The other thing to be careful of is when you are hoping to have a secondary policy thru another insurance. Seems like the best bet I know but they won’t tell you a lot of the secondary companies have a “non duplicating clause” so look for that. If you have that clause the secondary insurance will not cover the difference. Therefore you will be paying more money for a secondary insurance that isn’t going to pay and benefits for you.
Just remember your dental insurance works completely different from your medical insurance. Once you reach your max for the year which is typically anywhere from $1000-$1500 per year that is all they are going to pay so look at how much you will be paying for those benefits versus the max they will pay.
If it doesn’t make sense for you to pay that much your best bet maybe to find an Advanced In-House Care Plan with the dental office. Lastly remember it is easier and more cost effective for you to fix the small dental issues before they became big ones. If you have dental insurance use it! They aren’t going to refund you the money you paid in all year, use your benefits. Don’t let the insurance company keep your hard earned money for nothing.
If you have questions please feel free to call us at 317-849-1223. We will always help you in anyway possible.