How Do You Choose the Best Dental Plan?

How Do You Choose the Best Dental Plan?

How Do You Choose the Best Dental Plan?

An individual chooses the best dental plan by determining which services are included, how much out-of-pocket expense he's willing to pay, and how much flexibility a specific type of plan offers, according to About.com. To narrow down options, the person can visit a dentist to determine his current dental health.

The three types of service commonly included in dental plans are emergency care, complex care and preventative/routine care, notes About.com. Emergency care is reserved for damaged teeth, accident treatment and extraction. Complex care includes bridges, dentures and orthodontia. A majority of dental plans only cover half the cost of complex care procedures. Preventative/routine care includes X-rays, check-ups and fillings as well as some oral surgery.

A majority of dental plans are managed-care plans in which policyholders choose a dentist who is a member of a preferred provider organization, states About.com. Dental plans that include a dental health management organization have a specific coverage limit no matter how complex the necessary dental care might be. A freedom-of-choice plan gives policyholders the ability to visit any dentist.

The out-of-pocket costs associated with dental plans relate to the cost of procedures not covered by the plan and premiums, according to About.com. A person in good dental health may be more comfortable with the lower premiums that come with an HMO plan, while a person in need of more complex procedures may prefer the high premiums of a freedom-of-choice plan.