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My Insurance Sucks – Dental Insurance Tips and & Lessons

Dental Insurance Tips and & Lessons 
 
Most people use it; however, do you really need it?
 
What is your Risk level?
 
Do you already know you need work done or do you just have routine cleanings?
 
Are you “married” to or “in love” with your dentist?
 
Set Realistic expectations?  
 
I want to pay $35 to an insurance carrier then have 2 root canals done
So let me do the math.  You pay $35 to ABC insurance company and expect them to pay out $3000 next month.
That is not insurance.  
 
Two main types of Dental insurance plans HMO and PPO
 
You might be better served with a non insurance solutions…..dental discount programs
 
Key Steps in your evaluation
1.  How much does it cost?
2.  Is your dentist in the network?
3.  What is the annual maximum (this is the max the insurance company will pay out in any given plan year)
4.  What are the waiting periods for routine, minor, and major work
 
As always talk to an insurance counselor to help guide your decision (it does not cost you anything)