We like this list of questions presented by the American Dental Association. It’s a list of questions to consider during the open-enrollment period, too. For instance:
- Can you pick your own dentist or do you have to use a dentist from a pre-determined list of dentists?
- Can you stay with your current family dentist office or will you have to change dentists? (See info on in-network vs. out-of-network below.)
- What routine and major dental care will be covered (including cleanings, x-rays, surgery, and orthodontics)?
- If you need to see a specialist, will that be covered by your new dental insurance plan?
- Will a pre-existing condition prevent you from having dental care paid for by the insurance company?
If the new insurance documentation you receive is not clear in answering these questions, speak to your employer.
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