Visiting the dentist regularly has not become a habit for most people. In fact, it is this part of the body that we use the most. Generally, the reason is that they feel their dental health is fine because they rarely get toothaches, feel that they have enough to brush their teeth, do not have free time, or are busy, so they perceive it as an expensive treatment. However, now we can be relieved because now there is dental insurance. Protecting dental health is not only a matter of medication but also routine dental care. Great, right?
Then how do you choose dental insurance so you can get the best quality and according to our needs? Here are seven steps to choosing dental insurance that can guide us.
Know The Type Of Dental Care We Need
Everyone certainly has different treatment needs, some may just need routine maintenance and some others need dental fillings, dental implants, or even X-rays to find out the cause of toothache.
Some who actively work in risky places may also need protection for their teeth and the risk if work makes them need oral and dental protection more urgent.
Even so, in fact, not all insurance companies offer the same protection in every region. So to make it easier, just compare some of the insurance categories that are available around where we live and adjust it as needed.
Get To Know The Types Of Insurance Available
Buying insurance products is not a cheap matter, especially if the coverage we choose is not optimal. So at this point, we need to do the following two things as a reference so we don’t choose the wrong insurance product.
Compare The Type Of Coverage And The Insurance Premium
If you get the right recommendations, it means it’s time for us to determine the range of premiums that we can pay.
On the official website of dental insurance products, it is usually only written the amount of premium that must be paid in one year. To make it easier to arrange an insurance budget, make sure we calculate the monthly premium as well on a monthly basis. This is important so that we can estimate the ability to pay premiums later.
The Maximum Amount Of Coverage Limit
Generally, dental insurance provides a maximum limit of visits for treatment twice per year. This means that if we have met the maximum limit, then we are forced to pay the costs ourselves for the next visit.
Paying attention to the maximum number of visits is important, especially if we are currently undergoing dental work. Some insurance companies also set limits for medical procedures or actions each year. So, also consider these limitations when choosing the best dental insurance.
Find Out What Medical Measures Are Covered
Several cosmetic medical procedures, such as teeth whitening and denture installation, are usually not covered by dental insurance.
Some insurance products cover dentures, but this is a medical emergency. In this case, we need a referral from the relevant dentist as a prerequisite for an insurance claim.
Consider The Waiting Period
Another thing to note is the waiting period, which is the period when the dental insurance we just bought cannot be used. The waiting period for each dental insurance is different but usually ranges from 3-18 months.
Consider Group Insurance
Some insurance companies also offer dental insurance that is packaged with health insurance or even dental insurance purchased collectively or in groups.
Regarding the type of group insurance, it is usually a type of insurance provided by a company or office for all employees.