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Guide to Dental Insurance

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Protect Yourself With Dental Insurance


Commonly Used Insurance Terminology

Contract year
The 12 month period from which your plans dental deductibles apply. This starts new each 12 month period
Coordination of Benefits
This is the level of coverage provided when an individual has opted for coverage from more than one policy
Incentive Programs
A series of rewards, usually monetary, for a policy holder meeting specified benchmarks of a 12 month term such as regular checkups
Provider Network
The entire roster of dentists and specialist specified by each particular dental policy, usually listed and updated on their website
Out-of-pocket costs
The amount of money a policy holder is responsible depending on the service that was rendered. Commonly this is the co-pay

Insurance Shopping Tips


Remember - No insurance policy is a very bad policy to have. It is much better to be safe than sorry.

It is very important to join a company that you will be able to contact 24/7
Purchase an insurance plan that can cover your specific needs when the unexpected happens 
Check the renewal options on your policy as they may vary by company and type of insurance
Make sure to write down the phone number of the company you select and keep it in a safe place
Keep in Mind- A few dollars spent today can save you a much greater amount of money in the future

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List of Insurance Companies
To visit a companies website simply click on the company name and you will be taken to their homepage

»   Aetna Dental Access®
    (via dentalplans.com)

»   DentalPlans.com
Comparisson Search

    www.dentalplans.com

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