Full Coverage Dental Insurance and what it means
Full Coverage Dental Insurance and what it means
When someone is looking for what they think is “Full Coverage Dental Insurance” it is important to determine what “Full Coverage” means to you. Because it can mean different things to different people.
So what does “Full Coverage” mean to me and many other people I talk to?.. Simply put: I pay X dollar amount monthly (whatever that would be) and all my dental services are fully paid for. There would be no dental service render that would not be fully covered and I only have to pay the monthly cost for the plan. I have yet to find a dental insurance plan that works this way. However if you do I would love to know about it.
Most dental plans I know have some if not all of these : waiting periods for certain dental services, maximum annul dollar amounts, deductibles, preexisting exclusions and limitations, different coverages for inside and outside network dentist, dental plan where there only network dentist. Age limitations. and these are just to name a few. It is so important to read the Terms and Conditions of any dental plan.
That is why when I do talk to people about dental insurance I never use the term “Full Coverage” What I do instead is to try and find out what the person feels are their current and future dental needs and try to fit a dental insurance or dental discount plan that will best addresses their dental needs.
My best advise when looking for dental insurance is to read, then read some more. Make sure you know what it is you are going to get from the dental plan in question. If there is still something you do not understand then call the company up and ask all the needed questions so you can feel good about the dental plan you decide to get.
Forget about looking for full coverage and instead look for a dental plan that will fit your dental needs the best. Some times in order to do that you may have to get more the just one dental plan you may want to combine plans that make the best sense for your needs.
We are hear to help you with any of the dental insurance and or dental plan that this web site has to offer in your state. If you have questions we look forward to your calls. So please call member services at 310-534-3444 CA time 8-5 M-F We be happy to help
