Comparing Plans: What You Need to Know Before Buying Dental Insurance

Purchasing a dental insurance plan may not sound like the easiest thing to do, especially if you’re unfamiliar with the terminology that’s used to explain the details of the policy. Instead of getting overwhelmed and deciding it’s not worth the hassle, keep reading to discover a few basic components that are most important when comparing plans.

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The Basics of Dental Insurance

Before you begin to look at the various policies that are available on the market, take some time to learn a few key terms so that you have a better understanding of what they mean and how they can help you save:

  • Monthly Premium – When enrolling in a dental insurance plan, you will receive many benefits; however, the only way to access them is by agreeing to pay your monthly premium.
  • Deductible – This is the annual amount you must meet before your benefits kick in. Once you reach your deductible, your insurance company will begin to pay more for your treatments.
  • Annual Maximum – This is the full amount your dental insurance company agrees to pay each calendar year. Anything over this amount is your responsibility.
  • Copayment – This is what you might be expected to pay out of pocket at the time of service. Most are minimal and may still be required even after meeting your deductible.

Important Factors to Consider Before Buying

Now that you know a bit more about how dental insurance works, you’ll need to consider additional factors that can help you determine which plan is right for you. Some of these include:

  • Preventive Care is Usually Covered – No two plans are the same; however, many will cover preventive services at 100%. The reason is that these treatment options (i.e., dental checkups and cleanings, X-rays, etc.) are designed to prevent common oral health problems that require restorative care. Of course, not all plans offer 100% coverage, so it’s important to check before purchasing a policy.
  • Minor and Major Restorative Care Are Covered – Similar to preventive care, minor and major restorative treatments can be covered anywhere from 50-80%. However, reviewing the proposed benefits is important before buying because not all plans offer the same level of coverage.
  • Many Dental Benefits Expire at the End of the Year – If you choose a plan that is built to last a single calendar year, you’ll need to use your benefits before midnight on December 31. Because they don’t roll over, you will be required to pay a new deductible at the start of the new year. Your annual maximum will also be reset, and any unused funds will be returned to your dental insurance company.
  • Cosmetic Dentistry is Often Not Included – You’ll be unlikely to find a dental insurance plan that covers cosmetic dentistry because these services are often deemed “elective” and not medically necessary. The same may also be true for orthodontia, as you may need to purchase a supplemental plan to cover the cost of braces.

Don’t be intimidated by dental insurance. Instead, take your time to learn the basics and don’t be afraid to ask for help. Choosing the right plan is the best way to make sure you save when it comes to taking better care of your oral and overall health.

About the Author
Dr. Harvey J. Mahler has more than 30 years of experience working as a dentist in the Chicago area. Offering high-quality services and treatment options to patients, he believes in providing a more holistic approach when caring for patients’ smiles. He also strives to keep oral healthcare affordable, which is why he and his team are pleased to welcome dental insurance as a way to lower out-of-pocket costs. Let us know how we can help you save more money by contacting us at (312) 224-9916.

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  • Dr. Mahler has been my dentist for over 20 years. He is very proactive at planning the next step of treatment. He managed a complex dental implant and bridge situation for me. He also has put plans in place for my daughters and we have been able to avoid orthodontics.

    Jennifer B.

  • Experience is always top tier! Staff and doctor very friendly

    derrick r.

  • I had a wonderful experience at the dentist office today. Dr. Mahler is an excellent dentist. He takes his time and explains to you was he's doing while he performs his job. His staff is very professional and kind.

    Linda B.

  • Dr Mahler and his staff at Smile 312 are the best. They’re friendly, and they listen to all your concerns and they respect your time. I went to see Dr Mahler for TMJ treatment and from day one his recommendations have made a big difference on my discomfort level.... read more

    Jenniffer M.

  • 312 Smile is the best, they are definitely 5 star, they always take good care of their patients dental needs. 😊

    Hattie W.

  • When I first arrived at Smile312, my mouth was in complete disarray—I honestly didn’t even know where to begin. That all changed when I met Dr. Mohler. From our very first interaction, he established a sense of trust and professionalism that immediately put me at ease. He took the time... read more

    Kimberly R.

  • Dr. Mahler really took his time with me and made me feel listened to. The consultation I had was a very positive experience.

    Hanna K.

  • Just had my first visit to Smile 312 in the Loop—spotless office, friendly staff, and they’ve got Netflix to keep you entertained. Went in for a cleaning and check-up; dropped about $150 after insurance, which felt fair. They broke down the costs and insurance stuff clearly. Scheduling was easy, and... read more

    rcpanget O.

  • Great expertise. A 1 in a million phenomenon. The destroyer of TMJ. Other dentists tremble at the sound of the name doctor Mahler (and I’m not talking about the weight loss doctor in Lockport) because they know they cannot compete no matter how hard they try.

    Missael S.

  • Our entire family have had an excellent experience with Dr. Mahler and his staff over the past 20 years. The office staff is always polite and efficient. Appointments have been easy to schedule, and we have rarely waited even a few minutes to be seen once in the office. Dr. Mahler... read more

    Katie G.
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