Texas Dental Insurance
Shopping for dental plans in Texas requires more than just a budget. There are so many options available, it can be difficult to know which plan is right for you and your family.
As health insurance consultants, we consistently hear from folks who are unsure of what dental plan to choose. They want to make sure the basics are covered, but also want affordably priced deductibles.
There are two general types of plans available, individual dental plans and group dental plans. Let’s take a closer look at each to see precisely who should purchase which plan and a few things to be aware of before making a decision.
Individual vs Group Plans
Dental plans in Texas that are offered by an employer are typically called group dental plans. Individual dental plans are purchased by an individual for coverage of their household only. In most cases, with employer-based group dental insurance you will be given the option to select which insurance plan suits your needs. With individual plans, you’ll be slightly more limited on options.
What to Know about Individual Dental Plans
The following are a few very important things to remember and be aware of while shopping for a dental plan.
1. Waiting Periods
The longer you wait to get insurance, the longer you’ll have to wait for care. For individual dental plans, there’s typically a waiting period before your insurance coverage takes effect. With major dental care, you may have to endure several appointments before you can, for example, get a root canal or have some other major form of medical care.
2. Maximum Benefit Amount
The majority of dental plans come with an annual benefit maximum. This maximum reflects the total dollar amount your dental plan will pay for your cost of dental care within your benefit period. For most, that benefit period is between January and December of a given year. It’s a good idea to speak with a consultant to gain a better understanding of your benefit amounts.
If you already have a dentist you prefer to use, you may be surprised if your new individual plan doesn’t cover their services. Each plan has network providers, if your dentist happens to be “out of network” you won’t be able to benefit from your plan. However, some plans do cover dentists out of your network, so be sure to inquire whether or not you plan does. You can view your provider list by visiting your insurers website or by calling your dentist’s office.
Pricing is generally one of the more important deciding factors for any health insurance plan. For dental plans in Texas, the average cost of dental plans increases when you choose an individual plan. However, just because a plan is ‘affordable’, doesn’t mean it’s a good plan. Some ‘affordable’ plans leave out important provisions which may be easily overlooked. Analyze the coverage and features including invasive procedures, excluded surgeries or services, and the like.
As Healthcare Consultants in Texas, we highly recommend our clients choose group dental plans over individual dental plans. This is primarily because the aforementioned benefits favor group plans over individual plans. To ensure you and your family get the greatest benefits, coverage, and pricing we highly recommend going the route of group dental coverage.
For more information on individual and group dental plans, please reach out to our experienced team of consultants. We can help you find the perfect coverage and plan.
If you need help finding a Texas dental insurance provider, call Healthcare Consultants at 713-626-2838 or send an email to Dustin@hciamerica.com