The most important tool at your disposal when looking for dental insurance is comparison. When you compare dental insurance plans side-by-side you can easily identify the key differences between dental insurance plans.
So what do you look for when you compare dental insurance? The first thing to decide is if you want an indemnity dental insurance plan or a PPO dental insurance plan. An indemnity plan allows you to visit any dentist that you wish. A PPO plan allows you to select any dentist you wish from a preferred network of providers.
Once you have decided on which type of plan is right for you it is time to compare dental insurance benefits. Dental insurance is usually broken up into three different parts; preventive, basic, and major. Do you need all three or do you think that an inexpensive preventive and basic plan is best for you?
Once you have decided which type of coverage is best for you it is time to choose an annual maximum. If your teeth need a lot of major work done perhaps a plan with a high annual maximum is best for you. Compare dental insurance plans that have a high annual maximum and pick the one that provides the best dental coverage for the price.