The dental insurance plan for you is likely the one that fits your needs and budget. You also want to consider what procedures you may need over the next two to three years, including filings and braces while also covering any costly or unexpected dental expenses that could come up, such as the need for crowns and implants. Higher tier plans provide more coverage for major procedures, allowing you to save money in the long run, but they may come with some increased monthly costs. You also want to consider whether you’d like to keep your current dentist or if you’re open to change, as some dental practices may not be in the network of the dentist you select.
What Dental Insurance Should I Get?
When choosing the type of dental insurance to get, you want to consider your needs, budget, and family size and understand there may be trade-offs between plans. A PPO plan with affordable monthly costs may also have fewer features, while a plan with higher monthly costs may likely offer more comprehensive dental coverage, as well as help provide financial protection just in case you need filings, root canals, crowns, implants, or other major services such as child braces. DHMOs also cover a broad range of services but often offer less selection so you will need to decide if a DHMO or a PPO plan is best for you.
Dental discount dental plans offer an alternative way that you can get the dental care you need while saving on out-of-pocket expenses. However, there are key differences between how dental insurance and dental discount plans treat preventive care, procedures, dental dentists, costs, waiting periods, annual maximums and savings bundles that you need to take into account to determine which plan is right for you.