When is it cost-effective to Buy Individual Dental Insurance?

How to get the most value out of Dental Insurance

People often ask me which dental insurance I recommend, and my answer is: It depends.

To get the best value from individual dental insurance, consider:

🦷 Does Your Dentist Accept Insurance?

✔ If they participate in a network, your costs will be lower.
✔ If they accept PPO plans but aren’t in-network, you may pay the difference between what they charge and what insurance covers.

Key Factors to Consider When Choosing a Dental Plan:

✅ Is your dentist in-network?
✅ Annual maximum payout – The most the plan will cover in a year
✅ Deductible – What you pay before insurance kicks in
✅ Preventive care coverage – Many plans cover cleanings 100%
✅ Waiting periods – Some plans require waiting before covering major work
✅ Exclusions & major services – Are crowns, root canals, and implants covered?

💡 Pro Tip: If your dental work costs over $100, ask for a predetermination of benefits to see what insurance will pay before treatment.

Need help finding the right dental plan?

📞 Call: 415-524-8959 | 760-696-3573
📧 Email: admin@benefitsbydesignca.com



Let Benefits by Design Insurance Services simplify your dental insurance decision!

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