Dental care needs can change with age, overall health, and previous dental treatment. When comparing individual dental plans, consider the provider network, covered services, costs, and level of customer support.

Before selecting a plan, consider the following questions:

Is your preferred dentist included in the network?
Visiting a network dentist may help reduce your out of pocket costs because participating providers agree to contracted rates.

Does the plan cover preventive care?
Regular examinations, cleanings, and X rays can help identify dental concerns early and may reduce the need for more extensive treatment.

How does the plan handle claims and customer service?
Reliable support and timely claim processing can make it easier to resolve questions and understand your benefits.

Are additional benefits available for certain health conditions?
Some dental plans may provide enhanced benefits for members with conditions such as diabetes or heart disease, as well as during pregnancy. Benefits and eligibility requirements vary by plan.

Individual dental insurance costs vary depending on the type of plan you choose. An HMO generally offers lower costs with a smaller provider network, while a PPO provides greater flexibility at a higher cost. Indemnity plans allow you to choose your dentist, pay for services upfront, and request reimbursement.

A Kent Lu Insurance Services agent can help you compare plans and find coverage that fits your family’s needs and budget.