Understanding Your Dental Benefits
About 166 million people have some form of dental insurance in the United States. Selecting a dental plan can be confusing. However, the more you know about dental benefits, the better equipped you will be to select the plan that’s best for you or your employees. Don’t be afraid to ask questions. Your insurance broker or dentist may be able to answer questions or provide more information on dental plans. The American Dental Association may also be a resource through its Dental Benefit Information Service of the Council on Dental Benefit Programs. Knowing the facts and having your questions answered before selecting a plan may avoid confusion and surprises when employees receive their explanation of benefits (EOB) and in some cases, a balance to their bill.
This information is intended to educate readers about the types of dental plans in the market, in order to help you determine which plan might be right for you and your company. It offers specific questions for you to ask before changing or selecting a new dental plan. It also will help you determine who to provide coverage for under your plan and how coordination of benefits should be determined.
If you have further questions, please contact your broker, benefits professional, state dental society or the Dental Benefit Information Service of the Council on Dental Benefit Programs at 800-621-8099.