Weigh the Costs
Check around at different dental offices to see what they charge for preventative care such as routine cleanings. Consider your dental history and whether or not you expect to have a large amount of dental work that needs to be taken care of in the future. If you’re out of pocket costs are less than the cost of the insurance, and you have good dental health, it may not be necessary to get dental insurance.
Co-Payment vs. Fee-For-service
If you do decide that it is in your best interests to get a dental plan, it is a good idea to decide if you want a co-payment plan or a fee-for-service. A co-payment is a specified dollar amount you will need to pay out of pocket for a specified service at the time of treatment. A fee-for-service plan is set up where the insurance company reimburses the person or pays the dentist directly for each covered medical expense.
Coverage is probably the most important thing to consider and the most relevant to you. Good plans cover diagnostic, preventive and emergency treatments. However, some plans also cover work done by a local cosmetic dentist. Read the plan carefully and ask questions. Preventative care is important because it can help to avoid major dental care procedures like dental implants. Be sure to check out the major dental care costs as well and what you will have to pay for them.
Dentists You Can See
Many insurance plans limit which dentists you can see. It is hard to find a good dentist so if you would like to stick with a current dentist, maybe talk to them about what insurances have them as preferred dentists.
There is much more that can be said about choosing a good dental plan and unfortunately I don’t have the space or the time to write it all now; but, this is a pretty good list to get you pointed in the right direction.