The search for the best individual dental insurance plans can seem like one of the great adventures of life in the twenty-first century. Ask any number of people, “what are the best individual dental insurance plans,” and you’re sure to get a variety of answers.
When you think about it, it’s easy to see why there are so many points of view. The criteria are always uniquely individual. Best for whom? In what circumstances?
The better question, of course, would be, “what’s the best dental insurance plan for my needs?” And that question leads to a whole list of questions.
This is why we created the DentalInsurance.com dental insurance checklist. We designed the checklist to help you understand your needs. Using it will help you choose a dental insurance plan that truly is the best choice for you.
Dental Insurance Checklist: Key Questions
If you’re hunting for the right dental plan, make an informed decision. How? Ask a lot of questions!
For example, start by asking yourself, “what is the most important reason I’m looking for a dental plan?” Questions such as the following can get you thinking in this direction:
- Do you need dental work – other than an exam or cleaning – right away?
- If so, will a plan be available as soon as you need it?
- Have you already started dental work that needs to be completed?
- Do you want to use a local dentist or one you’ve worked with before?
We’ve included questions like these in the checklist to help you be sure that you are thinking about the reason you need dental insurance to begin with.
Other types of questions are included in the checklist to help you understand what to expect when it comes to dental expenses or the cost of purchasing a plan. Questions in these sections include things like the following:
- If there is a deductible, is it a reasonable amount considering your financial situation?
- Are there limits on the amount you might need to pay for major care?
- Can you save by choosing an annual payment plan rather than a monthly payment plan?
Other Resources: Find the Best Individual Dental Insurance Plans
In addition to the checklist, we have a wide variety of resources to help you make an informed decision about your dental insurance. Check out the following resources for more information:
- Dental Plan Basics: Knowing Which Plan to Choose
- Dental Insurance Terms
- How Long is Too Long before Seeing a Dentist
- 5 Reasons Why You Need Dental Insurance
And don’t forget to check out the checklist!
Teeth are having a good run at the Supreme Court this year. SCOTUS has handed down decisions in two cases involving oral health during 2015.
In one of those cases, decided at the end of February, the North Carolina State Board of Dental Examiners challenged a lawsuit brought by the FTC and lost. The suit alleged the board had violated antitrust laws by barring non-dentists from providing teeth whitening services at mall kiosks.
It’s nice to know the folks in North Carolina can now enjoy low-cost teeth whitening where they shop, but there’s some really great news for US kids.
Here it is: When SCOTUS ruled this month that the ACA’s premium tax credits were not just for those who used a state-based exchange, it also helped pave the way to good oral health and better access to dental care for children.
Pediatric Dental Health and the ACA
According to the CDC, while for the most part preventable, tooth decay is still the most common chronic disease among US kids. The ACA, though, still has a chance to turn that around thanks to the Court’s latest decision.
While the ACA – like the insurance industry in general – oddly cuts off oral health coverage from coverage for the rest of the body, it does require some dental coverage for some citizens. Dental insurance for adults is not required under the ACA, but subsidized health plans must address at least 10 types of health care, the essential health benefits (EHBs). These include oral and vision services for kids.
Including dental coverage for children in the ACA was a huge step in the right direction. With the Court’s new decision on consumers’ eligibility for tax credits, millions of children can continue to reap the benefits, including healthy, happy smiles.
Affordable Care and Your Oral Health
The ACA provides a number of ways to purchase dental coverage. Some states include oral care benefits for kids within the health plans available on their insurance exchanges. Others separate out dental coverage as standalone products.
States may also define oral care benefits for adults as part of the EHBs for their citizens. Some roll those benefits into the health plans they offer. Others offer them as standalone parts of the benefits package.
Greater Consumer Choice and Enrollment Availability
You can obtain private dental plans both on and off the government-run insurance exchanges. For broader plan selection and the ability to enroll in a plan at any time, many people turn to the private dental marketplace. People that recognize oral health is not really cut off from general health, often enroll in a separate, stand-alone dental plan after they enroll in marketplace coverage.
For example, DentalInsurance.com provides consumers across the US with access to a very wide selection of dental coverage options. These include traditional dental indemnity plans, dental health maintenance organization (DHMO) plans, preferred provider organization (PPOs) plans, and even discount dental plans or cards.
We’ve made it easy for you to find individual dental insurance, dental coverage for yourself plus one other person, or even dental coverage for your whole family. To compare dental plans available in your area, simply enter your zip in the box on our home page.
Hooray for SCOTUS and the ACA! Now, be sure to exercise your constitutional rights to life, liberty, and the pursuit of oral health!
Learn more about the ACA.