How To Find a Supplemental Dental Insurance Policy
Supplemental dental insurance pays costs that aren't covered under your main dental insurance plan. If the dental insurance you receive from your work or other group plan only covers certain procedures, and you don't have supplemental insurance, you may find yourself paying a significant amount out-of-pocket for common things such as X-rays, cleaning or simple fillings.
There are two common solutions, adding PPO (preferred provider) supplemental dental insurance, or signing up for a discount dental plan.
Other People Are Reading
Instructions
-
-
1
Contact your current dental insurance representative and find out exactly what your current insurance covers. You may also want to talk to your dentist about upcoming estimated costs for any procedures he or she expects to perform, as well as routine cleaning and X-rays. If your current insurance isn't covering as much as you need, supplemental dental insurance may be the answer.
-
2
Search online, ask local insurance agents, or get recommendations from your current insurer for supplemental dental policies or discount dental plans. Check whether any group you're a member of, such as a credit union, a church, a union, or your employer, may offer supplemental dental insurance. The National Association of Dental Plans website is one of many sites that lists dental insurance and plans by state. Find a link in the References section.
-
-
3
Since both PPO supplemental insurance and discount dental plans require you to visit a dentist who is on their list to get full benefits, check the lists of the plans you're interested in and see if your current dentist is included, or whether you'd be willing to switch to one of the dentists listed.
-
4
Make sure the supplemental plan or dental discount is coordinated with your current insurance so it will pay as much as possible beyond what your current insurance covers, without duplicating coverage. Before you sign up for a plan, also be sure to understand the deductible, the waiting period if any, the coverage for pre-existing conditions, and if there's an annual limit on how much the insurance will pay.
-
1
References
- Photo Credit Comstock/Comstock/Getty Images
