Introduction:Unless you have an excellent dental plan at your present employer, here are warnings about dental insurance policies. This might be a good education for you in the event your policy status changes.
Check the qualifying points necessary to purchase a dental insurance policy. Like any written agreement the small print might hold some secrets that could cost you out of pocket expenses. The fees for some policies are a month or more; monthy payments. For instance some companies require you be a member in good standing for 3 months before ititial dental visit. Waiting periods exist for certain dental work to be performed as well. Looking at a dental insurance policy could require a contract for you even though you will not be using dental services during that entire time. You will still be paying for coverage.
There are some plans that tell you who the dentist is that you will be seeing. You are given a few in close proximity, some outside your travel plans and still others too far away to adequately treat your emergency dental health needs when they arise. There are no warnings that you will you be expected to rotate to other doctors in your dental insurance agreement.
The lists dental insurances give you for the attending dentist in your area might not be complete. Dentists acquire associates and then determine they will no longer participate in the dental insurance programs. Inquire about the dental work you might need to have done. Check schooling for those dental treatments you will need to have performed. Unless the doctor is skilled, trained in that field of dentistry, some insurance policies will not pay for the visit.
Some of the dentists stop using the dental programs without notifying the companies. Make sure you call the actual dentist to check on whether the doctor is still accepting patients in that specified dental plan. Confirm some prices of procedures to see what the cost will be for you, your insurance coverage and how the balance you owe must be paid. Ask about discounts for cash payment and senior advantage if you are of age to appreciate that rebate on your bill. Make sure your credit card of choice can be used for payment.
Confirm about what the usual and customary fees are that the dental insurance allows. Be warned that those are generally very different from the actual costs a dentist charges. Ask the insurance company you might be considering getting a policy from, how long they have been in business. Ask for data about the company, a website or request literature be sent in the mail for you to read with another person to guide your decisions on dental insurance policies. Do not ever leave a credit balance on any dental account. If there is work agreed to be performed, that you have paid your up front money for and then decide otherwise, get a refund. My dentist went bankrupt with over $1000 of my money. The dental insurance required my funds be paid by me and then reimbursed by the dental insurance company later. Review the actual cost per month of any dental insurance and compare with the dentistry needed. You can then know if the dental policy is truly worth your cost.
Excellent information. Great job!
Great list once again!
Helpful guidelines. Thanks!
Great guidelines to go by. These things are no jokes. Thanks for sharing.
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