It’s going to take time to find the right dental insurance plan. Before you go on to research the insurance companies and the plans that they offer, there are a few things to think about that will help determine the kind of dental insurance plan you need:
Age: People in their 20s and 30s generally need less dental care than children or older adults. Seniors may have extra needs from age to medical problems even some medications can cause your teeth to suffer. As a result of this, older adults need coverage that allows for more cleanings, and covers treatment for gum disease and dentures or dental implants. Kids, especially teenagers, need extra care as their teeth grow, including sealants or orthodontics.
Health: Diabetes, cardiac issues or other health conditions that require you to take medication can affect your teeth as well as your body.
Habits: Do you brush and floss frequently? Do you eat a lot of sweets? Then, chances are you may not need as much in the way of dental care and can get by with a cheaper plan that only has an annual cleaning and a higher deductible. Smokers, on the other hand, benefit from extra care. Also, if you know yourself well enough to realize you won’t take advantage of the six-month cleanings regularly, look for cheaper plans that have annual cleanings. Don’t pay for something you will not use.
History and Genetics: Some people are born with bad teeth; their baby teeth were never replaced with adult teeth or their mouths are naturally more acidic. If your genetics and dental history are already against you, a stronger coverage is only going to benefit you in the long run.
Individual or Family? As noted, dental needs change when kids are in the picture. If you do not yet have a family but anticipate one in the near future, you may want to see what the family plans offered by the companies are and ask how easy it is to switch when the time comes.