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Best Dental Insurance Companies Of 2022 – Forbes Advisor - Forbes

Choosing a dental insurance plan can seem complicated. Consider the following questions when comparing dental plans and looking for the option that best fits your needs.

Does your employer offer dental insurance?

Dental insurance is generally less expensive through an employer because it’s a group policy and typically discounted depending on the size of your employer’s company. It’s essential to review the details of available plans to understand the level of coverage and if it’s the right plan for you.

What are the potential out-of-pocket costs associated with your chosen dental plan?

Outside the monthly premium and copays, many dental plans require you to meet a deductible before covering a portion of your out-of-pocket costs for care. Insurers may also have an annual maximum allowance per 12-month period, meaning they won’t cover anything outside of that amount.

If you think you’ll need procedures or treatments not covered by your plan, or if you prefer to use an out-of-network dentist, these factors will likely add to your out-of-pocket expenses.

Which dentists are in the network?

If you want to stay with your current dentist, ask which insurance plans they accept. Some dental insurance companies have an extensive network of providers while others may require you to switch to an in-network provider in order to obtain coverage. When considering an insurance provider, check to see if dentists are available in your local area to keep your costs low.

What does the plan cover?

Consider your current and future dental needs when comparing dental plans. Preventive services are typically covered and include examinations, x-rays, teeth cleaning, fluoride treatment and sealants. While not all insurances cover orthodontic coverage, some include coverage for children, so read plan details carefully when making your selection.