Key Health Plans is pleased to announce the release of their new blog post, which focuses on helping people pick the best dental insurance. The article is aimed at helping those shopping for the best dental insurance plans on the market to find a dental insurance plan that meets their unique needs. “If you think you know your way around just because you’ve shopped for health insurance, think again,” says the blog post. “Dental insurance can operate in a number of different ways, many of which can be shocking to those only familiar with the health insurance labyrinth of options.”
While many healthcare plans have no limit, or at least limits in the high thousands, dental insurance plans hardly exceed $1,000 or $1,500 a year. This comes as a result of dental insurance generally being less expensive than health insurance, and the insurance provider needing to define how much of it their client might use per year in order to make a profit. Many of the top dental insurance plans will only count procedures like root canals, extractions, and crowns toward the yearly limit, and will generally not charge for smaller procedures like routine cleanings, check-ups and dental x-rays. It is up to the client to do their research when considering a plan and decide whether their limits meet their requirements. Notably, many companies don’t cover procedures they consider cosmetic or orthodontic.
It is also important to understand premiums and deductibles when searching for the best dental insurance. “Just in case you don’t know—deductibles are the amount of money you need to pay out of your own pocket before the insurance kicks in,” says the blog post. “They vary wildly between plans and providers, though, and are one of the criteria that will ultimately determine if a plan is right for you. Deductibles tend to go hand in hand with premiums—high deductible plans typically have low monthly premiums, and vice versa.”
This is another way in which picking the best dental insurance is different from picking health insurance. Healthcare often involves deductibles of several thousand dollars, which are unlikely to be found in any dental insurance plan. A cleaning session typically costs between $200 and $500 dollars, while a year of dental insurance will, on average, cost $350. This means that paying thousands before reaping the benefits of an insurance policy the way one might with a health insurance policy becomes quite implausible, especially since most people don’t need more than a few cleanings every year.
Most deductibles on dental insurance policies are set between $50 and $200, and some plans have no deductibles at all. One very important part of choosing the best dental insurance policy possible is shopping around and comparing prices to decide which one meets the relevant requirements.
Another major consideration when choosing a dental insurance policy is the network of professionals one’s provider has access to. “A good relationship with a dentist you feel at ease with is incredibly helpful when you want to stay on top of your oral health—and nothing makes that easier than a generously ample list of available dentists, the “network” covered by your plan and provider,” states the blog post. “While comparing plans, don’t think just about their deductibles, premiums, caps and limits—think about their dentist networks.” It is important to consider how big their list of professionals is, how diverse it is, whether or not the best dentists in the area are on the list, and what the online reviews of the dentists on the list say about them. This can help one avoid having to deal with a number of problems. The blog post can be read in its entirety here: How To Pick The Best Dental Insurance.
Key Health Plans lends their years of experience and expertise to helping clients find the best life and health insurance. They pride themselves on having helped thousands of Americans find peace of mind and economic stability. “Though much has changed through the decades, one thing remains the same: we are the key to finding the right health plan for you,” says Key Health Plans’ site.
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For more information about Key Health Plans, contact the company here:
Key Health Plans
Brian Neal
1-855-745-5422
customersupport@keyhealthplans.com
5495 Belt Line Rd., Suite 150, Dallas, TX 75254
