Buying dental insurance can be a daunting and difficult task. There are so many different types to choose from and so many plans to read through that it can become quite overwhelming. You should contact your local Ottawa dentist and speak to them about any concerns you’re having. Your Ottawa dentist may actually be able to tell you what their policies are and what your next step should be. They can also help in breaking down a few things like, what type of coverage would best suit your needs and whether or not your employer covers it. This should help you to see dental insurance more clearly and in turn, make you feel comfortable about your end decision.
There are different choices when it comes to insurance coverage so here are a few to familiarise yourself with:
Basic or Restorative- This usually covers thing such as fillings, extractions and root canals. Root canals can vary in severity so it may be a good idea to check with your local Ottawa dentist on what their policy on that is.
Major- This type of coverage should include work on bridges, crowns, dentures, dental implants, surgical extractions and most major work done by your local Ottawa dentist.
Preventative- This type of insurance is mainly used for your routine dental visits and can include cleanings, examinations, sealants and fluoride (check with your insurance agent to see exactly what they include).
There are also a variety of ways in which you can pay for your dental insurance and with a little research, you should find the one that best suits your needs. A few of the types are:
Dental Discount Plans- This isn’t necessarily an insurance plan, but more a way of getting discounts of each service that you have. You will usually have to pay an enrollment fee of some sort as well as a monthly fee but the benefit is that it usually amounts to much less than an insurance plan. It will limit your choices of local Ottawa dentists so it’s worth looking into before you decide to go ahead with this plan.
Dental Reimbursement Plans- Again, this isn’t so much insurance but it’s more of an agreement between your employer and yourself. You usually go to your dentist as normal, pay for the service in full and then take the recipes to your boss who should then reimburse you (depending on the predetermined maximum amount). This can be a great alternative for everyone involved as your boss doesn’t have to fork out monthly insurance fees and you don’t have to worry about limited choices ofOttawa dentists.
Traditional Dental Insurance- You should always check with your employer before you go out and buy an insurance plan on your own. This is because they may already have a great plan set up which will cause you little effort to set up. These plans are similar to health insurance plans and you usually pay a weekly or monthly fee and in return you will receive numerous benefits towards you Ottawa dentist visits.
Voluntary Group Plans- This is basically the plan for you and your colleagues to get an overall cheaper rate if it’s done through your employer. All you really need to do is talk to your boss, figure out what would work best for everyone and then look into getting it. It’s a simple way for everyone to avoid paying larger, individual fees which is always a good thing, right?