Dolton, IL, guide to choosing dental benefit plans
Dr. Dietrich, of Pleasant Dental® in Dolton, IL, is committed to providing you the best value in dentistry. Unfortunately, the cost of dental supplies, equipment, and business expenses is high. Therefore, even with the most reasonable pricing, restoring or replacing a tooth will take more than the spare change between the couch cushions. Enter dental insurance. If your employer offers a benefit plan, or you can afford to purchase one – do it. Most plans will pay a large portion of basic services, and help significantly with major procedures.
So, how do you know which plan is right for you? There are many insurance companies and types of plans, but your choices will probably limited if your employer is providing insurance. If you only have one option, take what you can get and we’ll help you make the most of it. If you are purchasing your own insurance, or your employer has given you options, comparing plans can be confusing. Here are a few of the most important points to check:
- Type – Freedom of choice plans allow you to visit any dentist that you choose, whereas managed care plans limit your choices.
- Deductible – This is the amount you must spend out-of-pocket every year before your insurance will begin paying anything. Generally, plans with higher deductibles pay a higher percentage of costs, making them a good value if you expect to have extensive dental work. If you don’t expect to spend much on dental care, it might take so long to meet the deductible that you don’t get to use your insurance much. In this case, you might be better served by a low deductible and lower percentage of insurance coverage.
- Levels – Insurance does not pay the same amount for every procedure. Procedures are usually divided into categories, such as preventive care and major services. If you have any dental work planned, check to see what category it would fall under, and which plan offers the best coverage at that level.
It is advisable to have a checkup and, if necessary, diagnostic x-rays before choosing your plan. That way, you will know exactly where you stand, what oral health problems you are facing, and what treatments you may need. Call us at (708) 576-1900 and schedule your appointment today.
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