Is it just me or does it all get to be a bit too much when shopping on line for dental insurance. I must have been to at least 10 different dental insurance sites. After going though the first few I started feeling like the plans are all the same. That or I find a plan on one web site then find it again on another web site but the information about the plan was completely different from cost to coverage even though it was the same plan as far as I could tell.
How can I tell what plan is best for me and which site is providing correct information? I do not want to get caught up in a scam. What are some tips that you can give me in order to buy dental insurance on line and feel safe about it.
Reply: The first thing to do is know what you want in a dental insurance plan. Are you trying to stay with your own dentist. If so is that dentist a network provider of any dental insurance plans from HMO or PPOs.
That information is important to know before looking for plans otherwise you could be spending time looking at plan that dentist dose not even take.
Do you have current dental needs that have to be address. If so you may want to avoid plans that have waiting periods. Instead by a plan without waiting periods.
If you have a current toothache need a discount plan may be want you will want since it starts the next business day. Knowing your need before reviewing plan after plan will not only allow you to get the plan that best fits your needs but save you time.