Do you have a choice to make about your dental plan? Perhaps your employer offers more than one dental plan—and you’re wondering if there’s a difference.
Well, there can be a lot of differences. Review your options to see which one is the best fit for your family.
Dentists who participate in networks agree to accept fees significantly lower than retail. Also, the larger the network, the more likely your dentist participates. If your plan lets you see any dentist, that usually means that you’ll end up paying retail prices. A strong network helps manage costs since network dentists agree not to “balance bill” consumers more than the negotiated fees.
HDS has the largest network of dentists in Hawaii. Nine out of 10 dentists in Hawaii participate with HDS and it’s a sure bet you’ll find a dentist near you.
Premium cost is only one measure of a dental plan’s true cost. A strong plan will also help customers manage their oral health by encouraging preventive care. This reduces long-term dental costs and could also have a significant long-term impact on overall health and health care costs.
Make sure your plan covers preventive care as well as other services you need.
Customers must have confidence that they’ll be taken care of after signing on with a certain plan. Look for service statistics, such as how quickly phones are answered, claims are paid, and any problems are resolved, to give you confidence that you will receive the service you expect.
Medical and dental coverage operate under very different models. While medical coverage focuses more on treatment, dental coverage concentrates on prevention. Furthermore, building and maintaining an effective dentist network is very different than building a network of medical care providers. Look for coverage from a dental expert—one with a commitment to your oral health.
Now you’re armed with the knowledge you need and you’re ready to choose the best plan option for you and your family. But, if you have more questions, we’re happy to help. Give us a call at (800) 232-2533 ext. 248 to review your specific plan options.
If you’re looking for coverage, visit HawaiiDentalService.com to review our individual and family plans.