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Agent Straight-Talk




Dean George is the Marketing Specialist and Content Creator for Dental Insurance
Store and its social media channels. He is a regular contributor to Agent Straight Talk, the
only consumer blog explaining the ins, outs and in-betweens of dental insurance and
discount dental plans. READ MORE

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Two Considerations Before Buying a Plan

Jun 03, 2014

Benjamin Franklin once said, “By failing to prepare, you are preparing to fail.” He also said, “An ounce of prevention is worth a pound of cure.”

Apparently Ben Franklin was a Boy Scout Founding Father 200 years before there were boy scouts.

Today we want to help make you dental plan shopping ninjas by sharing two important topics to consider when choosing between plans.

WAITING PERIOD Does the plan have a waiting period and if so, how long? We offer plans with and without waiting periods. Typically HMOs and discount dental plans do not have waiting periods, while PPOs and indemnity plans do - ranging from 6-18 months, depending upon the procedure.

In previous posts we've covered the purpose of waiting periods (here and here ), but our point now is to encourage you to carefully consider the waiting period guidelines of any dental plan before buying. If you already have a plan with a waiting period and are looking for ways around it, check out one of our discount dental plans. Our discount dental plans have no waiting periods and are excellent at saving you money on dental expenses during a waiting period.

EFFECTIVE DATE Like waiting periods, we’ve also blogged about how effective dates can affect dental visits. Dental plan effective dates vary by provider and the type of plan it is. Most dental insurance effective dates are generally the first of the following month if the completed application and initial payment are received by a specified date each month, such as the 20th. Because of that, depending upon when you enroll your effective date can vary from two weeks to as many as six weeks.

That 4-week period can make a huge difference if you purchased a plan because of a toothache or you wanted a teeth cleaning before your Time® magazine cover photo shoot. For your convenience we list the effective date for every available plan on our General Quote page. (The General Quote page displays after you enter your age and zip code).   

In our next post we will look at two other major considerations when shopping for a dental plan: annual maximums and deductibles. Not all plans have them, but we’ll show you the ones that do, and how to tell if such a plan is a good fit for your specific dental needs.

Thanks for reading Agent Straight-Talk, and for more dental tips, healthy teeth trends and oral health news, follow us on FacebookTwitterPinterestGoogle+, and LinkedIn!  

Copyright 2014, Bloom Insurance Agency, LLC   

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