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Knowing the Facts Before Choosing a Dental Insurance Plan.
Buying a dental insurance for yourself or your family will help you save money on your dental care cost. However it is important that when buying a dental insurance plan you is know the facts about the plan first. This will help you buy the best plan for you and or your family
* If you are going to buy an “in-network” dental plan know how many dentists are in the network of approved providers. You will want to buy a plan that offers a wide selection of professionals in your region.
* Know the plans limitations and exclusions. Typically, plans can have up 30 to 40 exclusions, limitations, and restrictions. Such exclusion can include the “missing tooth clause,” which excludes any dental work on teeth next to a missing tooth that is pre-existing.
* Make sure you understand the claims process if you buy a dental PPO or Indemnity insurance plans. Will the dental office be filing the claim or are you having to pay in full and wait for reimbursement from the company.
Knowing all the facts of the dental insurance plan and how it works will not only save you money but hassle latter on.