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How do I know if I am buying a good dental insurance plan for my family

Question: My job will no longer be offering us dental insurance. I do not know what to look for when it comes to buying dental insurance on my own.  I always just got whatever my job gave to us and dealt with it. Can you give me some helpful advise on what I should know when it comes to buying a family dental insurance plan?

Answer: What is your budget for dental insurance. Family plan can range any where from $30- $120 or more a month depending on the type of dental plan you want.

HMOs dental insurance and Dental discount plans would be the more affordable or lower cost plans.

Where as PPOs dental insurance and Indemnity dental insurance plans are on the higher month cost range.

My best advise to you is to make sure you read and understand the plan terms and conditions. This is so important! Some plans have waiting periods, yearly max limits, and deductibles.

Where other plans you have to stay within their plan network of dental office providers. Knowing what each plan limitations are will save you grief latter on.

If you do have questions about a plan and you can not find the answer then call member services at 310-534-3444. They are there to help you pick the best plan for you.

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Posted on Wednesday, Aug. 27th 2014 10:06 AM | by Dental | in Individual Dental Insurance Plans | No Comments »

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