How much out-of-pocket spending are you comfortable with? A plan's affordability is based on its premium payments (often deducted directly from your paycheck, if your employer offers insurance) and on the cost of dental procedures it doesn't cover.
For example, an HMO may deduct less money from your paycheck, but you will end up footing much more of the end costs of complex treatment, such as bridges, implants or braces. It may not be the bargain you'd hoped for. Conversely, paying high premiums for a freedom-of-choice plan when your dental history is uncomplicated and you only need the dentist to clean your pearly whites twice a year may be overkill.
Before choosing a dental plan, visit your dentist and undergo an exam that includes a set of diagnostic x-rays. Have your dentist assess your overall dental health and determine what, if any, complex procedures are needed by you (or your dependents). This needs assessment should point you in a firm direction as to what level of insurance would best protect you and your wallet. Although it won't make choosing a plan easy, it will simplify your options and needs to determine the optimal match.
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