August 15, 2022
Finding the best dental insurance for you and your family is worth the time and research. It can save you a lot of financial stress and cover annual checkups and teeth cleanings. Having a good plan can assist with paying for fillings, root canals, x-rays, crowns, and other costly procedures you or your child may encounter. It is important to consider your dental health needs when choosing an insurance plan. If you are a Utah resident and looking for the right dental plan for you, we have a variety of options you can choose from. Learn more about the best dental insurance plans for Utah residents!
What Do I Need to Consider When Choosing a Dental Plan?
There are a few important steps to take when choosing dental insurance. Everyone has different dental needs and coverage that is necessary for avoiding breaking the bank. You don’t have to put a visit to the dentist off much longer and there are ways to get you the care you need to keep you smiling. Even though you are bound to face a few pricey procedures, it’s better to have something than nothing to help provide for your dental work. Here are some things to consider when choosing the best dental plan for you.
Insurance Plans and Costs
Even though finding the cheapest dental insurance sounds ideal, it may not be right for you. Certain plans offer what you need. When deciding on an insurance plan, here are a few options to consider:
- Preferred Provider Organization (PPO): PPOs are more expensive, but they offer the most coverage and flexibility.
- Dental Health Maintenance Organization (DHMO): DHMO’s allow you to choose a dentist from your insurance network. You can choose outside of that network, but will have to make your own payments.
- Dental Discount Plans: This isn’t health insurance, but rather a membership for discounts on dental services.
After deciding on which plan is right for you, you are going to need to consider the costs. Here is what you can expect when making a decision on your insurance plan:
- Premium: Your premium is how much you pay monthly or annually for coverage.
- Maximum Limits: The maximum amount your policy will pay out.
- Co-Payment: Fixed cost of the total amount due.
- Deductible: What you are expected to pay out of pocket before starting your insurance.
Does Coverage Meet My Dental Needs?
Basic dental services are usually covered by most insurance policies, but it is important to consider all factors when deciding which plan meets with your dental needs. If you can expect major treatments in the future and you visit the dentist more than regularly, then you need to choose a plan that will offer a plan for these costs. This will save you more money in the long run.
Continue with Your Current Dentist
You may already have a dentist who you and your family love and have been visiting for years. If it is important for you to have the same dentist, then you may want to consider an insurance plan that they will accept. Be sure to ask your dentist what plans they accept before making a final decision.
Your Utah Dental Insurance Options
There are a few options you may want to consider as a Utah resident that may work out better for you than some. Every Insurance offers a variety of different plans, so be sure to explore the right ones for you. Here are a few we highly recommend.
Delta Dental Insurance Utah
A lot of insurance options have a waiting period, but when it comes to preventive dental treatments, such as dentures, fillings, root canals, crowns, cleanings, x-rays, or extractions that is not the case with Delta Dental Insurance. Delta Dental also offers an Immediate Coverage Plan for those who are seeking immediate medical attention. Due to its maximum coverage, you can expect this type of insurance to cost more. If you are looking to save more money, be sure to schedule appointments with those in the Delta Dental PPO network.
Humana Insurance offers a variety of PPO plans. Depending on what kind of coverage you are looking for, Humana can provide the right option for you. If you are looking to save more money, Humana does offer a dental discount plan, making annual fees more affordable. With a savings or discount plan, you don’t have to pay additional costs or deductibles.
Dental Select Utah is best known for quickly processing claims and offering affordable dental plans. This insurance offers both PPO and coinsurance plans. Dental Select fully covers exams, fluoride treatments, and cleanings. If you are an employer who is looking for group dental plans, Dental Select offers vision benefits with dental plans as well.
This is a great option for low-income households, and you are eligible depending on your monthly income. Benefits can range from cleanings and fillings to dentures or crowns. Medicaid can be a great option if you qualify.
Don’t Have Dental Insurance? Check Out Cottonwood Family Dental VIP Club!
Some dentists offer membership plans for those who don’t have dental insurance. If you rather start a membership than an insurance plan, Cottonwood Family Dental can help! We are your friendly local dentist and are located in Murray, Utah. We care about you and your family’s health. We offer a Cottonwood Family Dental VIP Club for those who do not have dental insurance and are hoping to save money. Call us today to learn more about our VIP membership plan!