This is question I am often asked. This can be a daunting task with so many options. When looking for a dental plan consider these tips:
1. Maximums, deductibles and co-pays: While some plans pay 100% for preventative care such as basic cleanings, exams and x-rays, most plans do not pay 100% on all dental services.
2. Waiting periods: Some plans will have waiting periods for certain services. These can range anywhere from 6-12 months.
3. Covered services: Read the fine print (often at the end of the policy). Some plans downgrade services such as amalgam (silver) fillings instead of resin (white) or all metal crowns instead of porcelain. Some plans have a missing tooth clause which means the plan will not cover any restoration involving that missing tooth. Some plans may charge you extra for lab costs. Doing your homework on insurance plans will ensure you choose the policy that is right for you.
Happy hunting!