Finding the right one for your company can be a daunting task. Here's a great way to figure out which one will work for you:
- Provider Network - One should first determine that their dental provider accepts the dental plan they are looking to purchase. Dental carriers have multiple dental plans and providers may pick and choose which ones they will accept. It is a common mistake to assume that a dental provider accepts all plans from a particular carrier. Typically, dental providers choose plans that command a high reimbursement rate.
- Plan Waiting Period - Some dental plans place restrictions on major services such as orthodontics, root canals, bridges, etc. Sometimes this waiting period can last from no waiting period to up to 12 months before major services will be rendered.
- Rollover benefits - As an enticement for members to seek preventative care, some dental plans roll over additional preventative care benefits to a member as an incentive. For example, if a member has a $ 1,500 dental benefit and the member uses at least $750 for preventative care, the carrier will roll over the remaining $750 of the unused benefit to the following calendar year. Ultimately, this raises the maximum benefit level to $2,250 rather than $1,500.
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