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Purchasing a family dental insurance plan provides you and your family two important benefits:better oral health for the entire family as most plans pay 100% of the preventive service fees such as cleaning every six months. This encourages the family to visit the dentist for regular check ups and cleaning treatments.

A very important factor to remember regarding any dental insurance plan is that dental insurance is not at all similar to medical insurance. The majority of dental health plans are designed with the purpose of only covering the basic dental care around $1,000 to $1,500 (about the same amount that they covered 30 years ago) per year and is not intended to provide comprehensive coverage like that of medical insurance.

To help finance your dental care, many dental offices are now offering interest-free payment plans because they understand that dental insurance only pays a small portion. If you decide that purchasing dental health insurance is the best choice for you or your family, these tips should help you choose the right dental insurance plan. Finding a plan is easy but you want to make sure you compare the cost and the policy before you make a final decision on what insurance company to go with.

What is dental insurance? How does it work...

Dental insurance is structured to provide policyholders regular preventive care. The reason: consistent preventative care has been shown to significantly reduce serious oral disease and the need for costly, complex procedures. As a result, dental benefit plans generally cover regular, routine care more than treatment of dental disease.

Two basic types of dental health plans are available to individuals: Indemnity Plans (fee-for-service): Offer physician choice at a higher cost. The policyholder selects their dentist and pays a fee each time service is granted. Their insurer then reimburses the policyholder generally 50 to 80 percent of their dental fees. Sometimes, monthly premiums and deductibles also are included. Capitation Plans: Offer broader coverage at a lower cost but restrict physician choice. A Dental Health Maintenance Organization (DHMO), paid on a per capita (per head) basis, often administers these dental plans. Policyholders pay fixed monthly premiums as well as nominal co-payments for specific services.

Dental benefit plans cover select diagnostic services, preventive care, and some emergency treatments, deemed necessary for good oral health. Be aware that most plans have limits on covered services, requiring you to pay some out-of-pocket costs. Inquire with your dentist and insurer about what your annual costs could be for oral examinations, x-rays, prophylaxis (teeth cleaning), topical fluoride treatments, and sealants.

Basic dental insurance plans generally limit specialist referrals, requiring practitioners to refer patients to specialists that have contracted with the plan. Patients also might have to obtain permission to see a particular specialist.

Benefits of dental insurance...

Receive regular, routine dental care that protects your family from painful dental conditions and financial loss.

Improve your smile, appearance, and self-image.

Do's and don't's of dental insurance...

Use the Internet to compare dental insurance plans and request dental insurance quotes. Often costs for similar dental insurance plans from different providers will vary.

When selecting a dental benefits policy, out-of-pocket expenses shouldn't be the determining factor.

Before selecting a dental insurance plan, ask if you are able to choose your own doctor or if you are limited to plan doctors.

Review what percentage of costs you might have to pay for covered services annually. Inquire what services are defined as routine and what are considered major dental work, requiring more out-of-pocket costs. These procedures might apply: composite fillings and crowns, cosmetic and oral surgery, dental implants, endodontics, periodontics, prosthodontics.

Request a quote from a top rated insurance provider, an find the best affordable health insurance for you. Get your free health insurance quotes online today.

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