Seeking Dental Insurance for Multiple Cavities
I’m in need of some advice! It’s been a while since my last dental visit, and I’ve now discovered I have 15 cavities that require treatment. The out-of-pocket costs are staggering. Can anyone recommend dental insurance that offers strong coverage specifically for cavity fillings? I anticipate needing a lot of work done in the future. Thanks!
Dental insurance for 15 cavities
Dealing with multiple cavities can be overwhelming, both physically and financially. Here are a few recommendations for finding dental insurance that might suit your needs:
Look for Plans with High Annual Maximums: Some insurance plans have higher annual maximums for coverage, which can be beneficial if you anticipate needing extensive dental work.
In-Network Dentists: Choose a plan that offers a wide network of dental providers. This can help ensure that you get better coverage rates for fillings if you go to a dentist who is contracted with the insurance.
DHMO vs. PPO Plans: Dental Health Maintenance Organizations (DHMO) usually have lower premiums and may cover procedures at a lower cost, but you typically have to choose a primary care dentist and get referrals. Preferred Provider Organizations (PPO) offer more flexibility with dentist choices but may have higher costs.
Waiting Periods: Be aware of any waiting periods for major services like fillings. Some plans may require you to wait several months after purchasing before certain treatments are covered.
Discount Dental Plans: If traditional insurance seems too expensive or doesn’t fit your needs, consider discount dental plans. These plans typically require a membership fee but can provide significant discounts on dental services.
Check Reviews and Ratings: Websites like Consumer Reports and the Better Business Bureau can be great resources for evaluating the quality of different dental plans.
State Programs: Depending on where you live, there might be state-specific dental assistance programs that can offer help for extensive work.
Consider reaching out to local dental offices; they may have financing options or be able to work with you regarding payment plans. Best of luck with your dental care!