Choosing dental insurance—especially if you are buying an individual policy—can be confusing. Some plans have co-pays, while others have fees for services.
With some plans, you can choose your own dentist, and with others, you only have certain dentists to choose from. Here are some frequently asked questions that can help.
FAQ: How to Pick Dental Insurance
Before choosing dental insurance, start by looking at what your family is going to need over the next year. Most dental plans place limits on how much they will pay over the course of the year. If you’re expecting major dental expenses, you should consider that as a very important factor in choosing your plan.
Most families will need a dental plan that includes:
Free routine preventative care, like cleanings and examinations
Coverage for most (about 80%) of the cost of fillings and root canals
Coverage for some of the cost of dentures, partials, and bridges
Q. What is the cheapest dental insurance?
The most affordable option is group dental insurance that’s offered by your employer. These plans are in addition to health benefits.
Q. What types of plans are there?
Like health insurance, there are Dental HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), fee for service plans, and government insurance, like Medicaid. You should learn the details of these types of dental plans to make the best decision for your family.
Q. Where can I find a dentist who will accept Medicaid?
Kool Smiles accepts Medicaid and TRICARE, as well as most major insurance plans. We have over 120 locations across the country. Type in your zip code to find a location near you.
Q. What are discount plans?
Dental discount plans are not insurance. They are memberships where you pay an annual fee to get reduced prices at dental offices that take those plans. These plans have advantages, like no cap on benefits, but you have to find a dentist who accepts the plan.
Q. Will dental insurance cover braces for my kids?
Check your policy, but most dental insurance plans do not cover cosmetic procedures (like making a smile prettier). However, they might cover some procedures if there is a medical reason your child needs braces.
Coverage differs from policy to policy, and for Medicaid, it differs from state to state, so your best option is to check with the dental insurance provider. Or, you can call Kool Smiles. We are very familiar with Medicaid and are happy to answer your questions.
Find Affordable Options at Kool Smiles
Whether you have private dental insurance, Medicaid, TRICARE, or no insurance at all, Kool Smiles provides quality dental care to children at affordable prices.