Although there is no one "best" dental insurance plan, some plans may work better for you and your family than others. Plans differ primarily in how much you'll have to pay monthly for your coverage and how much you'll have to pay when dental services are rendered. Some plans will require that you pay a certain co-payment for services, or meet a specific deductible before the dental insurance company begins payment. Other plans may limit coverage to a specific dollar-amount maximum per year.
When reviewing your dental insurance options, here are a few questions to ask yourself:
How much will it cost me on a monthly basis?
Will I be required to meet a deductible? Once the deductible is met, how much will the dental insurance provider pay for my services?
What dentists participate in the plan's network? Are these dentists that my family and I would like to see?
If I used a dentist outside the plan's network, how much will I have to pay?