Consider: your dental health needs, preferred dentist network participation, budget for premiums vs out-of-pocket costs, coverage levels, and waiting periods.
Look for: low or no waiting periods, adequate annual maximum ($1,500+), your dentist in-network, reasonable premiums, and appropriate coverage for expected needs.
If you need only preventive care, basic coverage suffices. If you expect major work, choose comprehensive plans with higher maximums and lower coinsurance.
Choose HMO for lowest cost if you accept assigned dentists and referrals. Choose PPO for flexibility to see any dentist with better out-of-network coverage.
Employer plans usually offer better value through group rates and employer contributions. Individual plans provide more choices but typically cost more.
Check your insurance company website provider search, call member services, or ask your dentist office directly if they participate in your specific plan.
Ask about: waiting periods, annual maximums, coverage percentages, network dentists, orthodontic coverage, cosmetic exclusions, and premium/deductible costs.
Best times: during employer open enrollment, before needing major work (due to waiting periods), when offered through new employment, or when current coverage ends.
Individual dental insurance can usually be purchased anytime with coverage starting the first of following month. Employer coverage requires enrollment periods.
Yes, insurance covers preventive care that maintains oral health. Regular cleanings and exams catch problems early when treatment is less expensive.