Do you have a choice to make about your dental plan? Perhaps your employer offers more than one dental plan – and you’re wondering if there’s a difference.
There can be a lot of differences. Here are some terms that will help you review your options and find the best fit for your family.
Dentists who participate in networks agree to accept fees substantially lower than retail. Also, the larger the network, the more likely your dentist participates. If your plan lets you see any dentist, that usually means that you’ll end up paying retail prices. A strong network helps manage costs since network dentists agree not to “balance bill” consumers more than the negotiated fees.
Delta Dental, with dentists in its combined PPO and Premier networks, has one of the nation’s largest networks with an average of 4 out of 5 dentists participating.
Premium cost is only one measure of a dental plan’s true cost. A strong plan will also help customers manage their oral health by encouraging preventive care. This reduces long-term dental costs and could also have a significant impact on overall health and managing your health care costs.
Make sure your plan covers preventive care as well as other services you need.
Customers must have confidence that they’ll be taken care of after signing on with a certain plan. Look for service statistics, such as how quickly phones are answered, claims are paid, and any problems are resolved, to give you confidence that you will receive the service you expect.
Medical and dental coverage operate under very different models. While medical coverage focuses more on treatment, dental coverage concentrates on prevention. Look for coverage from a dental expert – one with a commitment to your oral health.
Now you’re armed with the knowledge you need and you’re ready to choose the best plan option for you and your family. But, if you have more questions, we’re happy to help. Give us a call at (208) 489-3580 to review your specific plan options.
If you’re looking for coverage, visit deltadentalid.me to review our individual and family plans.