What To Look Out For In A New Dental Insurance Plan

Changes in a dental insurance plan, or any medical plan for that matter, can affect patients in various ways. For example, yearly deductible amounts and coverage allowed can be limited. Here is what to consider:

• What services are covered by the new changes in the employer's dental insurance plan? For example, how many cleanings and checkups, x-rays, orthodontics, or surgery?
• Do these changes in dental benefits cover pre-existing conditions? Or will pre-existing conditions prevent you from being covered?
• Will patients be restricted to only dentists from the insurance company's pre-existing lists (HMO), or can they choose their preferred dentists from out-of-network?
• What are the changes in the annual maximum plan?
• Most importantly, will you stay with your usual dentists or change your dentists due to changes in reimbursement guidelines?
• In case of a new insurance plan, are you able to pay on your terms?

Finding A New Dentist or Dental Insurance Plan

Sometimes, the changes in your employer's dental coverage may not suit your dental care needs. Since most of these changes occur during the annual enrollment period, you might be forced to shift to a different dental insurance company or a dental offering dental care plan.

Whether you decide to pay from your pocket or get a new insurance plan, it is important to know what your preferred dentists offer. Good dental care plans must ensure that patients can pay on their terms. It is easier to get better insurance plans from dentists you have used before or through referrals because you can evaluate their service delivery. 

At Shore Smiles Dental, we offer a variety of dental care plans and accept various insurance plans. We are happy to work with you whether you have an employer insurance plan or not, whether we are an in-network provider or an out-network provider. Feel free to contact us and learn more about changing your insurance plan.