Picking The Right Dental Insurance

When it comes to picking up different types of insurance, many people will ask us, “Should I purchase a dental insurance plan?” As an insurance broker, we are always going to recommend insurance of any type but in the end, the only person that can make the decision is you. However, we can share some the benefits of owning dental insurance as well as how to get it and that is our plan in our latest blog.

The purpose of dental insurance is to help you pay for most types of dental care and be a financial safety net if you run into any types of potential large dental bills.

Most dental plans have networks of providers, or preferred dentists and oral specialists. If you choose an HMO or preferred provider organization plan, always use an in-network dentist because it will save you the most money and is by far the best way to go.

Types of dental insurance networks include:

• HMO network (more restrictive), where you must use a network dentist or the plan won’t pay.
• PPO network (less restrictive), where you can use a non-network dentist, but you will pay more out of pocket.

Benefits of Dental Insurance

• Security for not only you but your family
• Prevents large bills in case of an emergency

In the end, we have done the research for you and have found the best two options to fit anyone’s need are Delta Dental of Arizona and Employers Dental Services.

Delta Dental of Arizona offers the largest provider network in Arizona with traditional PPO plans and several plan options to fit every need.

Employers Dental Services (EDS) is a prepaid dental care organization that offers a low-cost option for your dental insurance needs.  By using the EDS provider network, you will receive the following advantages:

• No deductibles
• No claim forms
• No yearly maximums
• No missing tooth clause
• No waiting period for Basic, Preventive or Major services
• Coverage for pre-existing conditions, except for procedures in progress
• Orthodontic benefits for children and adults
• Vision discount program
• Prescription drug discount program
• Customer service department based in Arizona
• A large network of participating dentists
• Emergency benefit 24 hours a day
• EDS dentists participate in our quality management and peer review programs
• Value and affordability with a focus on preventive procedures
• EDS offers child-only coverage to age 18

If you should have any questions about Dental Insurance please do not hesitate to contact us today or learn more about them HERE!