Dental Insurance: What You Need to Know to Choose the Best Coverage

Thinking about getting dental insurance but not sure where to start? Choosing the right plan can save you hundreds of dollars a year and help keep your smile healthy. But to make a smart choice, you need to understand the most common terms in your policy. Here’s a simple breakdown of everything you need to know before signing up.

What does dental insurance cover?

The main goal of dental insurance is to lower the cost of treatments, from preventive cleanings to complex procedures like root canals or crowns. Not all plans are the same. There are different types and levels of coverage—and knowing the difference can save you money.

PPO vs. DHMO: Which one is better for you?

PPO (Preferred Provider Organization) Plans
More flexibility. You can choose from a wide network of dentists and still get reduced rates. You may even see dentists outside the network, but at a higher cost.

DHMO (Dental Health Maintenance Organization) Plans
Lower cost but less flexibility. These plans have a fixed network, and if you go outside it, you’ll likely pay the full price.

Key terms you should understand before choosing a dental plan

Understanding these terms will help you compare plans and avoid unexpected bills:

• Deductible
  This is the amount you must pay before your insurance kicks in. For example, with a $300 deductible on a $400 procedure, you pay $300 and the insurance covers the rest. Cleanings and checkups are often exempt from this.
• Annual Maximum
  The total amount the insurer will pay per year. It’s usually between $1,500 and $2,000. Once you reach this limit, you pay out of pocket.
• Copayment (Copay)
  A fixed fee for each treatment. For instance, a cleaning might require a $20 copay.
• Coinsurance
  The percentage you share with the insurer. If your plan covers 80%, you’ll be responsible for the remaining 20%.

Pro tip: If you haven’t used your annual coverage yet, take advantage before year-end. Benefits reset in January!

Conclusion: Your oral health matters

Choosing the right dental insurance doesn’t have to be complicated. Know what to look for and compare plans based on your real needs. And if you still have questions, speak with a licensed agent at Univista Insurance. They’ll help you find the best plan for you and your family.

👉 Learn more about coverage at: Univista Dental Insurance or call (305) 995-0032 to speak with one of our insurance experts.