Humana Dental Plan - In Your Local Area

Choosing Family Dental Insurance For Your Child

I'm sure you've noticed that you and your child are two distinct people with entirely different needs, including dental health needs. When employers label children as dependents, however, they often see them as extensions of their parents. That means when it comes to awarding family dental benefits, you must be on the same policy. It's important to be sure you select a dental plan that works for both of you. Here are some things to consider when choosing your dental insurance carrier:

• Your child has the right to see a pediatric dentist. Pediatric dentists are specially trained to address the unique dental needs of young children, such as early preventive care and alleviating dental anxiety. If your family dental insurance plan only allows your child to see a pediatric dental specialist after an unsuccessful visit to a general dentist, consider making a change.
• What is the extent of your preventive care coverage? Children's teeth are in a critical stage of development. Any potential problems should be identified and resolved as early as possible. It's also crucial to establish positive dental care habits right from the start. This means dental exams early and often. If your dental plan puts unreasonable restrictions on a child's early dental care, look for dental coverage elsewhere.
• What other procedures are covered? As mentioned, your child's teeth are only just developing. If they do not grow properly, your child can experience pain or misshapen facial structure. Special care, such as orthodontics, is often required to correct the problem, and is often medically necessary. If your family dental insurance plan considers this specialized care to be cosmetic, and therefore not covered, look for something better.
• What is the extent of your emergency care coverage? Kids have accidents - it's a fact of life. Not only are they generally more active than many adults, playing sports and climbing trees, but many have not yet developed refined coordination. That means plenty of falls or balls to the mouth. If your child loses a tooth or experiences some other sort of dental trauma, be sure your plan allows you to seek immediate emergency care without anybody's permission.
• It's important for you to have a reasonable amount of control over your child's dental care. If your dental insurance company makes it difficult to choose or change dentists when you feel it's necessary, or allows you very little say in whatever treatment is performed, shop around.

Insurance may seem like a costly investment, but a family dental plan that truly fits you and your children's needs is well worth it. The preventive and emergency care you'll receive will ensure all of you will enjoy good oral health for a lifetime.

+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.

Selecting an Affordable Dental Plan for Your Family

What is the best and most affordable family dental insurance plan for me?

Finding a family dentist and an affordable dental plan can be a confusing experience. Although there is no one "best" affordable dental plan, there are some plans that will be better than others for you and your family dental insurance needs. We will try to guide you in simple terms. However, rather than just giving you answers, the best thing we can do is to make sure you are equipped with the right questions.

There are three major things to consider, each with their own unique set of questions. By considering the questions thoroughly, you will arrive at the right and affordable dental plan for you and your family.

• How affordable is the plan (cost of care)?
• How much will it cost me on a monthly basis?
• Should I try to insure just major dental expenses or most of my dental expenses?
• Can I afford a policy that at least covers my children?
• Are there deductibles I must pay before the family or individual dental insurance begins to help cover my costs?
• After I have met the deductible, what part of my costs are paid by the family dental insurance plan?
• If I use dentists outside a plan's network, how much more will I pay to get care?
• How often do I visit the dentist and how much do I have to pay at each visit?
• Does an affordable dental plan include services that match my needs (access of care)?
• What other dental providers are part of the individual or family 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?
• Do I need to get permission before I see a dental specialist?
• Are there any limits to how much I must pay in case of a major illness?
• Is the prescription medication which I need covered by the dental insurance plan?
• Have people had good results when covered by a specific, affordable dental insurance plan (quality of care)?
• How do independent government organizations rate the different dental plans?
• What do my friends say about their experience with a specific plan?
• What does my dentist say about their experience with a specific dental plan?

If you consider these elements carefully when choosing a affordable dental insurance plan, you can be assured the best possible outcome.

+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.