The end of the year is typically the time to make elections for medical, vision, and dental insurance. Decisions, decisions, decisions. If you are at a crossroad concerning which type of dental insurance to choose, the following information may prove helpful.
Asking the Right Questions
Identifying the type of dental insurance that is best for your situation takes a little planning. Ask yourself the following questions:
- Do you need dental insurance for your entire family?
- Do you want insurance that allows you to choose your own dentist?
- What type of treatments do you anticipate?
- Will anyone in your family need any major dental procedures soon?
Answering these questions will assist you to narrow your list of dental insurers.
The Fine Print
Dental insurance providers often define their benefits, programs, plans, and terms in specialized language. Sometimes it can be difficult to navigate if you are simply scanning it. We always recommend that you take some time to read the fine print and come to a complete understanding of what is stated. If you have questions, call the provider and speak with their representatives.
PPO vs. HMO
A major choice that you will have to make is whether to choose a Preferred Provider Organization (PPO) or a Health Maintenance Organization (HMO). A PPO dental insurance allows you to go to any dentist, that is, you have the freedom of choice. On the contrary, with HMO dental insurance, you will be assigned a specific dentist that accepts your HMO plan.
Michelle Wang DDS does not accept HMO or Denti-Cal plans. If you have questions regarding your insurance or about financial options for any dental treatment we provide, please call us. We are currently affiliated with Aetna, Anthem Blue Cross, Assurant, BlueShield, Cigna, Delta Dental, Guardian, Loma Linda University health, Metlife, Principal Financial Group, United Concordia Dental, United Healthcare, and more.