5 Questions to Ask Before Choosing a Dental Insurance Plan

dca-blog_understanding-dental-insurance

Buying dental insurance is the best way to keep your smile healthy and beautiful for life, but it’s not enough to simply find affordable dental insurance—you should consider which plan would best fit your lifestyle and budget. Before you buy, understanding how dental insurance works and what typical plans cover is essential.

Typical Covered Services and Maximums
Even full coverage dental insurance has limitations. Here are several things to consider before buying or using your dental insurance.

  • Dental insurance rarely pays the entire cost of treatment. You may have to pay out-of-pocket expenses or a co-payment.
  • In many cases, you’ll also have a yearly deductible that you’ll have to reach before the policy covers anything.
  • Preventative care such as cleanings, sealants, x-rays, and general exams are typically covered at 80 to 100 percent. Major dental work may only be covered at 50 percent.
  • Most dental insurance plans have a yearly maximum ranging between $1000 and $2500.
  • Some treatments, such as cosmetic procedures and implants, may not be covered.

Tips to Maximize Your Affordable Dental Insurance Coverage
Here are four ways to get your money’s worth from your full coverage dental insurance plan.

  • Obtain coverage for your entire family. In the long run, you’ll save money by adding everyone.
  • Take advantage of free preventative coverage. Early detection of problems prevents expensive treatment later.
  • If you have children, be sure your policy includes orthodontic coverage.
  • Be sure that your dentist participates in your PPO dental plan.

Five Questions to Ask Before Choosing a Plan

  • What annual and biannual preventative services are covered?
  • Am I allowed to choose my own dentist?
  • Is my coverage limited to the cheapest available treatment options?
  • Can I schedule appointments at my own convenience?
  • How much will I pay for services, office visits, and procedures?

Quick Facts Every Dental Insurance Buyer Should Know

  • Not every dentist accepts insurance.
  • You can obtain a pre-treatment estimate to determine cost and check coverage.
  • If you don’t meet your yearly maximum, it doesn’t roll over to the next year.
  • Know whether your policy is considered a preferred provider organization (PPO) or health maintenance organization (HMO) plan. Different dentists accept different types of plans.

To get the dental care you deserve from an affordable dentist in South Bend, call The Dental Center of Indiana today at (855) 979-3358 or make an appointment.

The Dental Center offers affordable family dentistry and gentle, compassionate dental care in South Bend. With 5 affiliated practices throughout Indiana, our offices are conveniently located with extended hours to meet your needs. At The Dental Center of Indiana, we provide most dental services, from basic preventative care and general dentistry to specialized procedures and complete dental reconstruction. We accept most dental insurance plans and offer affordable financial solutions for any budget. Patient satisfaction is our top priority and we strive to provide the exceptional, affordable dental care and personal touch that lead to lasting relationships. A smiling patient is our greatest reward and we look forward to keeping those smiles healthy, beautiful, and bright. Discover an affordable dentist who truly cares at [LOCNAME].

Read What Our Patients Say
Patient Reviews
Great staff and very good with kids.
Alexis W.
Took my 5-year-old to get cavities filled, he actually fell asleep! I got to stay with him the whole time. The staff was amazing, I would highly recommend this office.
Angela F.
Very patient friendly, not many people like going to the dentist but everyone in the office makes it a pleasurable experience.
Debbie S.
The staff has always been curteous and professional. Also they explain everything so you have no surprises.
Duane B.
Staff is great.
Melissa G.
My appt was fast and easy! I was in a hurry so I enjoyed going in, getting my cleaning and getting out of there in less than an hour!
Danielle S.
I’ve been a patient for greater then 20 years. First because they were conveniently located to my home but I’ve stayed due to the excellent care. Dr Douglas and the staff are always […]
Don C.
If you need a dentist and are scared due to past experiences don’t worry, go to the dental center of Mishawaka and not only will your teeth look good and will show them off with a smile but […]
George K.
Staff is very personable and friendly.
Sherry D.
Very professional staff.
George O.
Great experience for our grandson. He goes back and has never complained about anything. We also took our 3 son’s there.
Kimberly H.
The care and customer service here are top-notch. My hygienist, Heather, is careful, detailed, and thorough. She explains what she is doing every step of the way. I would recommend the Dental Center […]
Joel D.
Pleased with your service and network.
Jeff K.
Dr Lauren was the best with my special needs daughter. The team was great. Made all the accommodations she needed to get her teeth taken care of. Thank you so much and we will be back
Rae B.
Friendly staff, wait time minimal
Hannah B.
My dad and I love it here!! They were really good with him during his appointment to get an extraction and are all about saving teeth. Marci, the assistant and Dr. Keiser are amazing and we both have […]
MissSpiderbite T.
The doctor assistant was very nice and explained everything to me in detail…she was very understanding and patient as I have dental anxiety…overall everyone was great…
Maribel S.
Friendly employees and it’s clean atmosphere.
Alexander T.
Great service
Mark D.
Nice, clean office, friendly staff
Marci H.
We Accept Most Insurance Plans!
Learn More

We accept most insurance plans and will be happy to help you understand the coverage that you have. We will do our best to see that you receive your maximum insurance benefits for all covered services.

No Insurance? No Worries! See our discounts and offers here