The ten keys to look for to hire the best dental insurance
- Being very limitedly covered by public health, dental health depends on the prices of private medicine, so insurance can be a solution that lightens the costs of certain treatments
That is why dental insurance can be an interesting measure. On the one hand, it guarantees us a balanced and equal price scale between the different professionals, and on the other, it allows us access to sometimes significant discounts on cost treatments that would otherwise be very high. Although the coverage and the amount of the discounts will depend on the price of the policy, the market offer is wide and the fees are quite affordable.
In any case, in order not to waste money, the OCU recommends insurance only in the case of requiring intensive use of oral and dental treatments, as is the case of minors or the elderly, or with very poor dental health. In this regard, it should be noted that some insurances add deductibles in the case of people under 15 or over 64, but even then they can be profitable.
However, all that glitters in the field of dental insurance are not gold, and if we sign a contract without looking carefully, we can come to bitterly regret it. So that they don’t give us a cat for free -or a bad professional where we could opt for a first-rate one- and it doesn’t turn out that in the end we end up paying more than in a private consultation, We expose ten key points to look at to choose the best dental insurance according to our needs. Finding The Best Dental Insurance -Florida
1. The information must be clear
The information on the conditions, the coverage, the specialists we have access to, etc., must be clear and specific so that there are no fringes and doubts to satisfy. The treatments cannot be referred to in the different clauses by different names and it must also be clear what is covered and when it is necessary to pay, as well as what percentages.
If there are certain operations or treatments that are not covered, or if the policy does not cover certain cases, for example, breakages due to a fight, it must be clearly stated. If we read the conditions and they generate excessive confusion or doubts, perhaps it is better to look for another company. Also, let everything be expressed in a font type and size that makes it easy to read and understand.
2. The toppings
It is important that the basic insurance includes basic coverage, such as dental cleaning, at least one free annual filling, x-rays, periodic check-ups or extraction if necessary. If the insurances are of a higher cost, they can also cover root canals -or a limited number of them- and even implants in the case of the most comprehensive insurance.
3. The network of clinics
We will have to study the network of clinics that the policy has so that we do not have to travel long distances to carry out the treatment, as well as that the offer is wide in case we do not like a certain specialist or clinic and we want to go to another.
4. If it includes concerted clinics
Normally, the policy includes agreements with professionals from private clinics, which are called concerts. If not, it’s not good insurance. In fact, many clinics and specialists have agreements with different companies, so we will see them in more than one policy. We must make sure that the subsidized network is wide and includes professionals from all oral and dental specialties.
5. If it includes preventive treatments
Although in general they are contemplated in medium and high-range policies, there are basic insurances that do not include them and are instead the treatments that we will need most regularly. We are referring to dental cleanings, fluoridation, sealing of cracks, and renewal of fillings in poor condition. If they are offered to us with a co-payment, we will ensure that their cost is not high or otherwise not contract the policy.
6. The inclusion of minors
It is interesting that if we want to choose dental insurance and we have minor children, the policy allows us to include them totally or to some degree in the coverage. If we choose family dental insurance, we must watch the franchises for minors. Ideally, they do not exist or if they are, they are not high, since it is under 15 years of age when people go to the dentist the most.
7. The periods of lack of treatments
Waiting times are the minimum period that must elapse between signing a policy and opting for treatment with partial or total coverage. They are put in place so that we can’t buy insurance just to get expensive treatment at a discount and then drop out. They range from one month to ten months for the most complex and expensive treatments. We must assess if we are interested.
8. The co-payment policy
Copayments are applied to those treatments that are not fully covered by the policy -in the case of lower premiums- but to which a certain discount is applied, so that we will only pay for part of the treatment. They represent significant savings compared to the option of going privately to the specialist, especially in cases of crowns, implants, root canals, orthodontics in the case of minors, etc.
However, we must ensure that the treatment offered to us is of quality and that the discount made is significant when adding the full payment of the annual policy. Also, copayments do not apply to treatments that other similar policies fully cover.
9. The freedom to choose a specialist
Not all policies offer freedom to choose the specialists who will treat us, and even less so if the said specialist does not have an agreement with the insurance company, which is known as an “open table”. However, the most complete ones do establish an agreement through which they can reach specific agreements with specialists or establish a reimbursement system through which we first pay the professional and then they compensate us for a part corresponding to the discount applied.
10. The refund conditions
It is interesting that the policy contemplates the option of reimbursement to be able to choose punctually specialists who do not have a concert; However, we must make sure that said reimbursement of the discounted part, that is, corresponding to the co-payment, is made in an agreed time and not excessively long, as well as that it is easy to request it and that it does not have exception clauses that make it less, etc.