{"id":348,"date":"2024-01-11T07:10:00","date_gmt":"2024-01-11T07:10:00","guid":{"rendered":"https:\/\/www.farmingtonvalleydental.com\/blog\/?p=348"},"modified":"2024-02-19T19:11:11","modified_gmt":"2024-02-19T19:11:11","slug":"facts-you-should-know-when-buying-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.farmingtonvalleydental.com\/blog\/2024\/01\/11\/facts-you-should-know-when-buying-dental-insurance\/","title":{"rendered":"Pearly White Plans: Facts to Know When Buying Dental Insurance"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.farmingtonvalleydental.com\/blog\/wp-content\/uploads\/2024\/02\/AdobeStock_94425459__14___1708364838_18260.jpg\" alt=\"A dental insurance form sitting on a brown wooden table\" class=\"wp-image-349\" width=\"299\" height=\"199\" srcset=\"https:\/\/www.farmingtonvalleydental.com\/blog\/wp-content\/uploads\/2024\/02\/AdobeStock_94425459__14___1708364838_18260.jpg 800w, https:\/\/www.farmingtonvalleydental.com\/blog\/wp-content\/uploads\/2024\/02\/AdobeStock_94425459__14___1708364838_18260-300x200.jpg 300w, https:\/\/www.farmingtonvalleydental.com\/blog\/wp-content\/uploads\/2024\/02\/AdobeStock_94425459__14___1708364838_18260-768x512.jpg 768w\" sizes=\"(max-width: 299px) 100vw, 299px\" \/><\/figure><\/div>\n\n\n<p>January is a month of fresh starts for many people. It represents the clean slate of a new year \u2013 a year that\u2019s only begun! So, perhaps you\u2019re trying some things for the first time. That said, be careful if one of those is a new <a href=\"https:\/\/www.farmingtonvalleydental.com\/insurance-information.html\">dental plan<\/a>. There are various facts you should know when buying dental insurance. In fact, your Farmington dentist will explain a few. Here are four crucial things to grasp when you buy a dental insurance policy.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">How Plan Coverage Usually Works<\/h2>\n\n\n\n<p>The typical dental plan will cover (to varying degrees) these three types of service:<\/p>\n\n\n\n<ul>\n<li><strong>Preventive &amp; Diagnostic Care<\/strong> \u2013 Preventive care is any treatment that prevents oral health issues. It includes dental checkups, teeth cleanings, X-rays, and fluoride options.<\/li>\n\n\n\n<li><strong>Basic Dental Procedures<\/strong> &nbsp;\u2013 Basic dental procedures are simple services that repair teeth. They include fillings and root canals.<\/li>\n\n\n\n<li><strong>Major Dental Procedures<\/strong> \u2013 Major procedures are complex dental treatments that can restore your smile. Common ones range from crowns and bridges to dental implants and dentures.<\/li>\n<\/ul>\n\n\n\n<p>With most dental plans, keep the \u201c100-80-50\u201d rule in mind. This idea states that a policy will generally pay 100% of preventive care, 80% of basic procedures, and 50% of major procedures.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Most Plans are Managed-Care Ones<\/h2>\n\n\n\n<p>As it happens, most dental policies take the form of managed-care plans. These sorts require patients to choose from a pre-approved list of dentists.<\/p>\n\n\n\n<p>There are two main types of managed-care dental plans: HMOs and PPOs. An HMO has you pay monthly premiums and restricts you to in-network dentists. Meanwhile, a PPO will offer some coverage even if you see an out-of-network dentist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">You Could Get Group Dental Coverage<\/h2>\n\n\n\n<p>You may not have to get dental insurance on your own. Often enough, patients can qualify for dental benefits through their employer or other groups. These plans are less pricey than individual policies and may have better benefits.<\/p>\n\n\n\n<p>There are two big ways to confirm if you have group dental benefits. Firstly, you could ask your employer\u2019s HR department about the matter. Another method is to contact notable group coverage programs like AARP, Medicaid, Children\u2019s Health Insurance Program (CHIP), and TriCare for the military.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">It\u2019s Best to find an In-Network Dentist<\/h2>\n\n\n\n<p>Whether you have a preferred dentist or not, it\u2019s best to find one who\u2019s in-network. These dental providers accept your insurance plan and reduce the price of their treatments.<\/p>\n\n\n\n<p>Remember, PPOs and HMOs put limits on the dentists you can see. That means going out-of-network will increase your treatment costs. In contrast, staying in-network grants access to dental benefits that save you money. You\u2019ll get more for less by seeing an in-network dental practice.<\/p>\n\n\n\n<p>There are other facts you should know when buying dental insurance. Still, start with the four above \u2013 they\u2019ll prepare you to get a fine plan!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p><em><a href=\"https:\/\/www.farmingtonvalleydental.com\/\">Farmington Valley Dental<\/a><\/em> <em>is<\/em><em> based in Bergenfield, NJ. Led by <a href=\"https:\/\/www.farmingtonvalleydental.com\/meet-us.html\">Dr. Thomas G. Peters<\/a>, our practice loves to give patients healthy and confident smiles. We thus offer preventive, cosmetic, and restorative work, as well as emergency oral care. Our office is also in-network with various dental plan providers, including BlueCross BlueShield, Delta Dental, and Met Life. For more details or to book a visit, you can reach us on <u><a href=\"https:\/\/www.farmingtonvalleydental.com\/contact-us.html\">our website<\/a><\/u> or by phone at <strong>(860)-677-8500.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>January is a month of fresh starts for many people. It represents the clean slate of a new year \u2013 a year that\u2019s only begun! So, perhaps you\u2019re trying some things for the first time. That said, be careful if one of those is a new dental plan. There are various facts you should know [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What to Know When Buying Dental Insurance | Farmington Valley Dental<\/title>\n<meta name=\"description\" content=\"As it turns out, there are facts you should know when buying dental insurance. 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