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Baby Dental Care, Know Your Options When Choosing a Dental Plan.

Wednesday, Jun. 13th 2012 8:39 AM

It can be difficult finding a dental insurance plan when you are also trying to stay with a current dental provider.   Here are some  tips on shopping out dental insurance plans when you already have a dentist you wish to stay with.

1) Know ahead of time what type of dental plans your dental office accepts.  Many people will get online to find a dental insurance plan,  before even knowing what dental  plans their dentist accepts,  that can be very time consuming.

2) There are many dental plans that do not let you go out side their plan network of providers.  These types of plans would be HMO dental insurance plans  and or dental discount plans.

3)  Ask your dental office if they are in network of any dental HMO and or dental discount plans.  If they are providers of these types of dental plans then find out which plans they accept.  This will  save you time by reviewing the acceptable plan options.

4)  If our dentist is not a provider of any HMO or dental discount plans then your next option would be getting a Dental PPO plan or a Dental Indemnity insurance plan.  These plans either have no net work of providers or they do allow you to go out side their provider data base.

5)  Even on dental PPO plans  it is still helpful to know if your dentist is a provider of a dental PPO plan because inside network coverages can be better then outside net work coverages and knowing this can be a helpful factor when reviewing dental PPO plans.

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