Question

Dental Insurance Plans

What is important when changing dental insurance policies?

A Answers (2)

  • AMichael Roizen, MD, Internal Medicine, answered

    Before you change, it’s important to read your current plan and the potential new plans very carefully -- as carefully as you would scrutinize your son’s or daughter’s (or sibling’s) new boyfriend or girlfriend. You want to have a good understanding of what is covered and what each plan’s limitations are. Also, if the plan uses the phrase usual, customary, and reasonable (UCR), make sure you know exactly what that means to that specific plan and how much that fee limit compares to the costs of dental visits and procedures in your area. If they’re way off, that’s a really important thing to know before you have to cover the difference. 

    The American Dental Association also recommends that you ask a lot of questions either to a plan customer service representative or to your employer’s benefits department before changing your dental plan. Here are a few key questions:

    - What routine dental care procedures will be covered and what percent of costs/charges will be paid for by the plan (for example, routine check-ups and twice-yearly cleanings)?

    - What major procedures will be covered and what percent of costs/charges will be paid for by the plan (for example, wisdom teeth removal)?

    - Which preventive services (like fluoride, sealants, and x-rays) are included in the plan and what percent of costs/charges will be paid for by the plan?

    - Do you have any choice about which dentists you see?

    - Will braces and other orthodontic treatments be covered and what percent of costs/charges will be paid for by the plan?

    - What is your policy on covering pre-existing conditions?

    Based on the answers to these questions and any other investigating you do, hopefully you will be able to find a plan that fits your needs as well as Cinderella’s glass slipper.

    Helpful? 2 people found this helpful.
  • AUnitedHealthcare answered
    If you are thinking about changing dental insurance policies, read the new policy before making the switch. Dental insurance policies are all different and there will be trade offs. If you have a pre-existing condition such as tooth loss, the new policy may have exclusions or limitations that don't allow for coverage. If your children need braces, the new policy may have a waiting period. Check for transition of benefits. This means the new carrier may or may not take on work in progress. If you have kids, be sure and look for coverage specific to children, such as sealants.
    Helpful? 1 person found this helpful.
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Does dental insurance cover wisdom teeth removal?