Questions to ask yourself when buying a Dental PPO plan.
In prior posts, we discussed how dental PPO and Indemnity plans work and their limitations. When shopping for a dental insurance plan, try asking yourself a few basic questions. By doing this, it will help you to determine which plan is designed right for you.
* Do you need any major dental work right away: In prior posted we talked about plan waiting periods. Therefore dental plans with waiting periods of six months for basic services and 12 months for major services may not be best advise if you need immediate dental care.
* How much dental work is needed: With many dental plans having annual maximum limitation, it is important to fully understand your own dental care needs. If you need to have multiple major procedures that will may push you over your annual max limit you either need to buy a dental plan with a higher max limitation or make sure to have services render as to not exceed your limitation without you knowing it.
* Are you trying to stay with a dental provider: One of the major positives about dental PPO’s and Indemnity plans is that you are able to normally choose your own dentist without having to only pick from a limited provider pool within the plan network. Yet if this is not important to you, you may want to review HMO dental insurance plans which are normally lower in cost with fewer limitations.
