7 mistakes to avoid when choosing a dental plan
Health insurance plans usually do not cover the cost of dental treatments, so people must buy a separate policy to care for their teeth. While the market has many dental plans, choosing one can be tricky. Before deciding, individuals must consider several factors, like coverage limits and policy terms. Avoiding these seven common mistakes when choosing a dental plan can simplify the process and ensure one gets a good deal! Ignoring the basics One of the most common mistakes people make is ignoring the basics. What should my dental plan cover? Knowing the answer can prevent individuals from signing up for policies that cost too much but offer little value. Unlike health insurance, dental plans do not cover many expensive treatments. Instead, they tend to follow a 100-80-50 coverage breakdown: 100% of preventive care coverage (like exams, X-rays, and cleanings) 80% coverage of basic procedures (like fillings, root canals, and extractions) 50% of major procedures (like crowns, bridges, and implants) Any other expense must be paid out of pocket. However, many policies have an annual out-of-pocket maximum, which can help lower the cost of treatment. Rushing through enrolment Far too often, people blindly choose the plan their friends and family recommend and rush through the enrolment process.
