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The health and looks of your teeth and the perceived social status

Besides your regular cleaning, what is the most common reason you go to the dentist? Tooth hurting? Well, it's a good time to make an ap...

Wednesday, May 22, 2019

How to chose an insurance plan?

This is the routine for pretty much everyone, we get a new job, we wait 90 days then we get to chose a new insurance. And then we go to the doctor or dentist and they tell us - well you need knee surgery or you need Invisalign just to find out that your insurance barely covers that, or deductibles are huge, or not covered at all. Not sure why we do this backwards, this is upside down, we should first know what our needs are and THEN choose our health, dental or vision insurance.
So how do I chose an insurance plan correctly? First you should know your needs, and then chose an insurance plan tailored to your specific condition. How do you do that? Ideally, you had insurance and got treatment before and you know what you need. But if you don't, then you are taking a shot in the dark and hope for the best!
But there might be hope, and that's why we advise our Patients about their insurance plan depending on their specific needs. Most of the time you can't change your dental plan till next year, after it expires, which is still better than nothing. Now you'll know you need coverage for implants, or a night guard, or Invisalign for yourself or braces for your kid. But until then you can also consider getting a second insurance plan and use it as primary (or secondary, depending on preferred coverage). And this is something that you can do right away. Just make sure there is no waiting period, or if there is and the price is right ask us how long can you wait on those invisible braces and if it's worth it. No one knows your dental needs and how everything works better than your dentist and our treatment and financial coordinators, they do this every day. So don't hesitate to call, text or email us and ask for help with choosing your dental insurance, we'll use our knowledge to help you for free, plus your next payments will be discounted and covered partly by your new insurance!