Dental plans may take a back seat when it comes to paying up or renewing the plan. This is because one does not really pay much attention or attach much importance to their oral health. Everyone is concerned about the general health insurance but not so much about their dental plans.
Just like any health insurance plans, there are a number of dental insurance plans to choose from too. One will have to carefully evaluate these plans before making their choice and paying for it.
Wondering why it is important? Here are a few reasons why:
- Oral health is as important as your general health. One may assume it is just the teeth and the major issue that could crop up is a cavity. However, the mouth is very complex and can have more than just cavities as a problem.
- One needs to go for regular dental checkups and if it is not done so, their dental insurance may not hold good. They may not be eligible to claim insurance if there is some major procedure to be done
- Dental problems may not show up until they are very serious and may require you to undergo some procedure for the same. Without insurance coverage, it can be very expensive
- Sometimes teeth alignment, which may not be a major concern to you, may cause other problems in the jaw line. Thus requiring a lot of work or procedures to correct it and reverse the negative impact it might have had on your jaw line, face, etc
- Sometimes, the health of the teeth can indicate other problems in the body. hence a regular check with the dentist may reveal something more serious and important, which otherwise might not have been discovered until very late
For those who are conscious about their Frumusete Sanatate, ensuring their teeth and gums are in good health is extremely important. Your smile can make or break your appearance. For a great smile one must have good, healthy and white teeth. This requires proper care and regular trips to the dentist’s, to ensure the oral health is maintained.
How To Choose
If you are wondering how to make your choice, here are a few pointers:
- Check online and with your agents to know about the various plans available
- Check the plan period and the cost on each plan. Sometimes the plan period may vary
- If you have health insurance with one company, it is better to go with the same company, as paper work is easier and it is easier to keep track of too
It’s fall which means that for federal employees it is time to re-evaluate their dental plan options. I’m a fan of the Metlife option (click here for it) because the max is big and it’s not that difficult of a plan to handle. From an administrative point of view I would take this opportunity to talk with any federal employee that is in the office about the high-option plan. You could also run a report of all of your federal employees and encourage them to contact you if they have any questions about choosing their dental plan. Of course that means you have to become familiar with the plans. Here’s a good starting point – the OPM’s site for Open Season.
For more information on rates for the 2013 open season: http://www.opm.gov/insure/openseason/factsheet.asp
For more information on plans for the 2013 open season: http://www.opm.gov/insure/dental/planinfo/index.asp