Comparing the Different Dental Insurance Plans in California.
Comparing the Different Dental Insurance Plans in California. I am 24 years old and currently do not have dental benefits though my job. This is the first time I had to go out and buy dental insurance for my self.
I could really use some helpful advise since I am not sure what type of dental plans will work best for my dental needs. This leave me not knowing what I am really looking for nor do I know a good dental plan from a poor one. So how do I go about comparing dental insurance plans if I am not sure what to look for?
Tuesday, Apr. 26th 2011 2:29 PM at 2:29 pm
First have an idea of your own dental needs and what you may want in a plan. Are you currently seeing a dentist you wish to stay with? If so find out what dental insurance or dental plan they may be a provider of. This save you from looking at plan they do not accept.
If you know you may need basic and major dental care then try to stay away from those dental insurance plans that have waiting period for basic and major dental services like PPO dental plans.
Or maybe you have a toothache and you need a plan to start right away then when reviewing dental discount may become a good dental plan option.
Having idea of your own needs will help you better choose a dental plan to fit your dental needs. Also if you do have any questions about the dental plan we have to offer call member services at 310-534-3444 they be happy to help you
Tuesday, Apr. 26th 2011 2:34 PM at 2:34 pm
The best advise I can give you is to READ each plan carefully know it plan terms and conditions. Are there any waiting periods, yearly dollar max limitations, deductibles, can you go to any dentist or do you need to stay within the plan network. These are some of the question you need to ask your self beyond just looking at plan cost.
Generally speaking dental HMO insurance plans and your dental discount plans are your lower and more affordable cost dental plan options. These plans generally do not have waiting periods or yearly max limits but you need to either choose a dentist in the net work or make sure you are only going to dentist that take the plan.
Where as you PPO and Free choice of provider dental insurance plans can be more costly with limitation it these types of dental plans that let you go out side the plan network of dental provider or choose any dentist you want to. Which makes these types of plans very popular with people when trying to stay with their provider.