The main benefits of purchasing family dental insurance include:
- you can save up to 25% by buying family dental insurance instead of buying individual plans
- the family plan offers up to 100% coverage for preventative dental treatments such as professional dental cleanings and examinations. Thus, the family will go together to get these preventative treatments and everybody is safeguarded against dental complications
Some of the main features that will help you choose the right dental plan:
Are you allowed to choose your preferred dental provider?
If yes, it means that you can have the peace of mind you need that you do not have to switch providers. You can simply continue getting the dental treatments from your favorite dentist that you know for years perhaps.
What are the main restrictions?
Certain family dental insurance plans come with quite a few limitations and restrictions when it comes to offering the best dental treatments coverage for the family members.
If you or other family members to be included in the plan struggle with poor dental health, you should select insurance, which comes with the fewest restrictions or limitations. You will need to use your insurance extensively, so you have to have good coverage.
What are the main treatments included within the coverage?
Typically, the best family insurance plans will offer a good coverage (up to 100%) for professional dental cleanings, fluoride treatments or general oral exams. Regarding the major dental treatments, the best plans will have you pay out of pocket no more than 50% -60% of the regular fee.
In case your family members to be included in insurance do have a good dental health, there is no need to pay huge premiums or deductibles for major dental treatments coverage. Negotiate with your insurer, and focus on having high coverage for the basic/preventative dental treatments instead.
Who is covered through a family dental insurance plan?
Most of the insurers will offer coverage for the spouse + the children within the family (0 to 18 years old). However, some insurers offer coverage even for children up to 22 years of age, if they are full time students and still depending for financial support on the parents.