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How do I choose the right dental plan?
Many types of
dental plans
are available to meet a variety of dental needs. How do you know which
plan to choose? To narrow it down, consider the oral health of everyone
who will be covered by your plan. Thinking about dental needs by
age group may help you evaluate plan options. You should also consider
the potential procedures, services or specialists you may need.
Age 0-18
Help your children establish good oral health habits from the start
by focusing on preventive dental care early. Cleanings, exams,
fluoride treatments and sealants are all common needs in this
age range.
Our Bronze Plan features our lowest deductible and covers exams and
preventative care for the whole family, with no waiting periods
for exams, cleanings and fillings.
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>
Age 19-39
If you’re in this age range, you’re less likely to have oral health
problems – but you should still visit the dentist regularly for
preventive care. If you’ve started a family, consider the needs
of your children and spouse as well.
Our Silver Plan features a low deductible, but still provides ample
coverage for diagnostic and preventive services, plus needs like
fillings and crowns.
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>
Age 40-59
As you age, so do your teeth. When you purchase a plan, consider
coverage for restorative procedures, such as fillings, root canals
and crowns. Because you may need these services, you may want to
look for a plan with a lower deductible and a higher annual maximum.
Our Gold Plan covers all dental services including fillings, oral surgery
and implants, with no waiting periods for exams and cleanings.
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>
Age 60+
Chronic conditions are more likely to occur after age 60, so preventive
dental care is important. Look for a plan that helps manage expenses
related to chronic conditions like gum disease. Bridges, dentures
and implants may also be on your radar. A plan with a lower deductible
and higher annual maximum may help you manage out-of-pocket costs.
Our Platinum Plan features no waiting periods for diagnostic and
preventative care, so you can see a dentist right away for exams
and cleanings. Plus, enjoy coverage for fillings, crowns and more.
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>
Here are a few more considerations when you’re evaluating plans:
• Assess your oral health. Is your mouth generally healthy, or are you overdue for a check-up or dental work?
• Check your budget. Do you have savings or a financial plan for unexpected dental work?
• Be proactive. Look for plans that help reduce long-term costs by providing free or low-cost preventive care, which helps detect and treat oral health issues before they become more severe and costly.
• Choose an in-network dentist. Dentist networks vary by plan type so checking to see if your current dentist is in a plan’s network should be considered if you’d like to save money.
• Review waiting periods. A dental plan may require an amount of time after the effective date before covering some services. Some plans waive the waiting period if you were previously covered.
• Visiting a PPO network dentist also protects you from balance billing, a practice where dentists bill patients for the difference between their usual fee and the fee pre-established with Delta Dental. And, visiting a network dentist ensures quality of care – all of our dentists are vetted through a stringent credentialing process and are expected to follow our policies.
Visit Individual.DeltaDentalMO.com and use the Find a Dentist tool (also found on Delta Dental’s mobile app) to find a network dentist or to check if your dentist is in your plan’s network.
Which dental plan is right for you?
Learn how to choose the right plan
that best fits your needs
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Delta Dental of Missouri
12399 Gravois Road
St. Louis, MO 63127-1702
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Delta Dental of Missouri
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