Dental Insurance, Dental Discount, Need Major Dental Work
Question: I have not been to the dentist for some time now since I was on my parents’ dental insurance plan. I know I need dental work. I am not in any significant pain or anything; I know that my teeth are not in good shape. Should I get a dental insurance plan with its waiting period and yearly max limitations and do my dental services a little at a time? Or go for a dental discount plan for dental savings and get my dental work done all at once. Which way, in the long run, would be cheaper?
Answer: It is a personal choice for you to make. As you know, with most PPO plans, you will have waiting periods and maximum limitations. As long as you fully understand the plan’s terms and conditions, PPO plans are great dental insurance plans for staying with or choosing your dental provider. However, you should review a discount plan option if you do not want to wait for dental services. Also, think in the long run, when you have a lot of primary dental services needed, waiting for coverages to begin may not be the best option for your oral health.