How to avoid a dental plan disaster
The best way to avoid getting hit with an expensive dental plan is to be prepared.
“If you can afford to pay the price, don’t be surprised when you get hit with a costly dental plan,” says Gary Scholz, a lawyer in Houston.
“That means you don’t have to take on the risk of a higher premium, or pay more out of pocket for treatment, or get a higher deductible.”
Before you make a decision about dental coverage, check with your insurance company.
“You can look for out-of-pocket costs that are already covered by your insurance plan,” Schols says.
“The dental insurance company will know this.”
If your insurance is covering the costs, it’s important to contact your insurer and discuss your plan options.
For example, your dental plan may have a deductible that is $2,000 or more.
To find out how much your dental insurance covers, call your insurance carrier to find out what you can expect to pay.
You may also want to contact a qualified health care provider for a referral.
“Most dental plans have out-to-date policies,” Schoeps says.
Make sure to contact the insurance company that provides your plan.
It’s also important to note that even if your dental coverage is covered by an out-year plan, you still have to pay your deductible, which will still be $2 or more for most of the year.
“Don’t be fooled by out-month dental plans,” Schols says.
The reason is because they don’t include any benefits, such as preventive care, as part of the dental plan.
“Dental care is not the same as preventive health care,” Schochs says, and they don�t include dental implants.
It also can be hard to find an out of-year dental plan that includes dental implants because they are expensive.
For this reason, it can be difficult to decide between the cost of a dental out-years and an in-year option.
In addition, if you don�teer yourself the option to pay out-the-year for dental care, you may want to check with a qualified dental health professional.
“Many of the companies will let you know what type of coverage you will get in case you have a financial problem,” Scholas says.