Dental plans are similar to medical plans in that choices are available. What you elect to have included impacts monthly premiums.
Preventive care, like regular cleaning and exams may save you money over time. Catching problems early helps minimize the need for major procedures. As with medical plans, various factors need to be considered when selecting a dental plan.
What level of risk do you want to assume?
Paying for a larger portion of the initial costs out-of-pocket reduces monthly premiums. You may want to consider your dental history when looking at this component.
What level of flexibility do you want?
Using dentists who are "out-of-network" increases your flexibility but can raise your costs.
What level of a co-pay is best for you?
Every time you see a dentist, get an x-ray or have your teeth cleaned, you may need to pay an out-of-pocket co-pay. Keeping this small impacts premiums.
What other features to include?
Other features can be added or modified to provide more comprehensive coverage. Which of these to select depends upon your specific requirements.
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