Should You Get Dental Insurance and Which Plan to Select

The most important option to consider when choosing a dental insurance program is the yearly maximum benefit amount. This benefit ranges from $750 to $2500 per year. Some companies will let you use up your benefit amount because you need it and accept just about all charges due to your dentist but many will stick to a payment (up to your yearly maximum). Having a payment program, you will only have a certain amount be responsible for the remainder and to pay per procedure. Note that, in all instances, when processes are deemed important, a waiting period may apply before any benefits are paid off. For your maximum, we recommend that you choose a minimum of $1,000 to $1,500 in benefits. The price difference is generally small and the majority of people today use their advantage up. Read More