It would be so nice if you could simply type in "best dental insurance"
in Google and have a specific policy that spits out. Unfortunately, shopping for dental plan insurance is
not nearly that easy, because dental coverage is not something that's "one-size-fits-all". The best dental
insurance for you may not be the best choice for your friend.
So, how do you find the best dental insurance for your specific needs?
Follow these 4 tips:
1. Ask yourself how much you're willing to spend in a month
Every dental plan insurance policy comes with different monthly expenses. If you're willing to pay more in premiums in exchange for a lower deductible, you're going to need a different policy that someone who's willing to pay off a giant deductible so that they can have tiny monthly bills.
A good individual dental PPO plan will offer the coverage you need at competitive rates. If price is the biggest issue for you, check out an individual dental PPO plan first. If you don't see anything that fits into your budget, see if a discount dental plan would be better for you.
2. Make sure that you get a policy that comes with a long list of approved providers
Since most dental plans will require you to choose a dentist from a specific list, the best dental insurance policy is the one that comes with a number of different dentists to choose from. The bigger the list, the more of a chance that you'll be able to find a dentist that you love - instead of having to put up with a dentist that you think is just OK.
3. Find out if anything is excluded from your dental plan insurance policy
If your teeth aren't in great shape - and you think you might need some extensive dental work now or down the road - make sure that your dental plan insurance policy doesn't exclude something big. If, for example, you're going to need your wisdom teeth out soon and your policy doesn't cover oral surgery, you probably want to look for something else. Or, if you need a lot of work done and your policy has low limits, you probably want to find one that will pay out more.
4. Read the fine print
Most people get blinded by price when they shop for a dental plan insurance policy, but a low price doesn't always mean you're getting a good deal. Before you sign on the dotted line, make sure that you're getting everything you need and want. That's really what the best dental insurance policy is designed to do!