Cigna Dental Plans - In Your Local Area

What Are the Best Dental Insurance Plans for Me?

Although there is no one "best" dental insurance plan, some plans will be better dental coverage than others for you and your family's dental needs.

Dental plans will primarily differ in how much you have to pay.

Although no plan will pay for all the costs associated with your dental care, some plans will cover more than others.

With any dental insurance plan you will pay a basic premium, usually monthly, to buy the dental coverage.

In addition, there are often other payments you must make. These payments will vary by dental insurance plans but essentially are deductibles, co-payments, and co-insurance.

Here's a list of key questions to consider in selecting from a group of dental insurance plans that best meets your coverage needs:

• How much will it cost me on a monthly basis?
• Are there deductibles I must pay before the insurance begins to help cover my costs?
• After I have met the deductible, what part of my costs are paid by the plan?
• What dentists are part of the dental insurance plan?
• Are there enough of the kinds of dentists I want to see?
• Where will I go for care?
• Are these places near where I work or live?
• If I use dentists outside a plan's network, how much more will I pay to get care?
• Will my dental coverage be extended?
• Are there any limits to how much I must pay in case of major illness?

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.

Dental Fees

Fortunately, in these times, a lot of patients have dental insurance. Insurance is, on the face of it, a good thing. It minimizes out-of-pocket expenses for treatment and encourages people to keep up with the dental care they need. But most dental insurance plans do not pay 100%. There simply is no perfect insurance plan.

Part of the problem is what's called "usual and customary fees." Insurers have come up with a fee structure intended to reflect the "average" cost of "average" dental care. Urban residents may be allowed different compensation than people who live in rural areas. Reimbursement for a crown may be a certain percentage of the actual cost (the dentist's charge to you), and another percentage for a cleaning. Patients are sometimes puzzled at the discrepancy between insurer reimbursement and actual dental fees.

Of course your dentist can't dictate the amount your dental insurance plan decides is "average." And they don't ask your dentist what cost he or she thinks is fair. The dilemma is this: your dentist can't, in good conscience, recommend less than quality dentistry, even though your insurer may impose an unreasonable ceiling on treatment. It's a rock and a hard place.

For this reason, you should take objections directly to the insurer or compare dental plans with your employer. If enough people make enough noise, the reimbursement picture might improve.

Ask your dentist to sit down with you and go over your dental plan and your dental financing options. He or she will try to make your dental insurance plan work to your advantage. Your dentist cares about your finances, and your health.

+Jim Du Molin is a leading Internet search expert helping individuals and families connect with the right dentist in their area. Visit his author page.