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August 02, 2005

Select the Right Dental Plan For Your Dental Needs!- Part 2

We were discussing about selecting a suitable dental plan for your needs yesterday. I promised to write more about the questions you need to ask before you make your final decision about choosing a dental discount plan.

Here is the list then:

1. Are you allowed to choose your own dentist? If not, do you at least have the option of changing a dentist if you are not happy with the dentist you might be alloted or whom you selected in the first plan under the dental plan?

2. Who determines the treatment - dentist, patient or considerations/limitations of dental plan? For example some plans provide for only the least expensive treatment, which may not be the best option for you.

3. What are the limitations if any, w.r.t dollar amount , treatment types imposed by the plans?

4. Are diagnostic, preventive and emergency services covered under the plan?

5. Are all dental problems covered like crowns and bridges, braces, root canals, oral surgery and treatment of periodontal diseases?

6. If you need specialist care, does the plan allow for it? Can you choose to go to any specialist? Or are they any restrictions?

7. Are all major dental problems covered - braces, dentures, implants and so on?

8. And most important what kind of emergency services and treatments can you avail of?

It is your responsibility to get answers to all the above questions and others you might have
before you invest in a suitable dental discount plan.

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