Dental Benefits

Written by Sarah Provost
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What dental benefits do you need from your dental plan? Benefits vary widely from one plan to another, so you should take care to choose a plan that fits your particular need. Here are some questions to ask yourself when you are considering joining a dental plan.

Do you have young children? If so, then orthodontia is a real possibility. Children are also very active and thus prone to accidents, so be sure you'll be covered if your eight-year-old loses a front tooth to a hockey puck. You might also want to choose a plan that offers services from pediatric specialists.

Middle-aged and older patients are more likely to need periodontal work than fillings or orthodontia. Since gum disease is the leading cause of tooth loss, you should also check for coverage on implants, bridges and dentures. If you have a history of strong, healthy teeth, you may be able to make do with limited coverage for exams, cleanings and X-rays.

Be aware that discount dental benefits plans are not the same as insurance. In return for your membership fee, you will receive services at a predetermined discount from "regular and customary" fees for that service. If your provider charges more than what is considered customary, you will be responsible for the difference.

Choosing Your Dental Benefits Plan

All these variables make it difficult to choose a dental benefits plan. You can, however, use the power of the Internet to make comparisons easier. There are several websites that will present an easy-to-use chart displaying benefits offered and costs of a range of plans in your area.

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