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Tips for Choosing a Dental Plan
It's important to do some ground work before choosing a dental plan for you and your family. Consider the following tips to help you find the best individual or family coverage:

Tip #1: Consider the coverage and type of plan
Health and dental insurance can be complicated. First, discern whether the plan you're considering is a DHMO or PPO. These are two different types of insurance programs, and your coverage will vary significantly. PPOs may have higher co-pays and deductibles, but you will be covered for a wider range of services. DHMOs are more restrictive in coverage and many patients complain about difficulty finding participating doctors. If you are only looking to apply for preventative, individual coverage, a DHMO may work for you. Family plans, however, that may eventually require orthodontics, oral surgery, or periodontics, will want to find something more comprehensive.

Tip #2: Check available dentists in your area
If you find yourself leaning toward a particular plan or company, check its list of local participating dentists and surgeons. If you need to travel extensively for a well-rated dentist, consider a plan with someone closer to your home or business.

Tip #3: Talk to your current dentist or doctor
If you already have a dentist, that can be a great starting point for references. Ask about the doctor's and hygienist's experience with some plans, and whether there are any they feel you should avoid. If you don't have a current dentist, talk with friends, family, co-workers, and even your medical doctor about their dental insurance.
Whether you're looking for individual or family coverage, get in touch with our Indiana area dental plans consultants. Providing help to find the coverage you need with our assortment of dental plans.
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Our agents provide you with personalized service to make sure you find the dental plan in the local Indiana area that works best for you. Get great coverage for a low price from our dental plans.
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Harrington Chad F DDS MSD Write review for this local business
350 Columbia St, South Bend, IN 46601
(574) 233-7444  
John B Lehman Jr DDS Write review for this local business
225 N Notre Dame Ave, South Bend, IN 46617
(574) 233-5159  
Harrison Dental Write review for this local business
225 S Harrison St, Shelbyville, IN 46176
(317) 398-0066  
O'dell Health Life & Dental Insurance Write review for this local business
5714 W 750 S, Hanover, IN 47243
(812) 866-4355  
Delta Dental of Indiana Write review for this local business
5875 Castle Creek Parkway North Dr Ste 191, Indianapolis, IN 46250
(317) 842-4024  
Alexander Lande Dental Lab Inc Write review for this local business
414 Gradle Dr, Carmel, IN 46032
(317) 571-0220  
Compton Dental Center Write review for this local business
901 Fran Lin Pkwy, Munster, IN 46321
(219) 836-0460  
Affordable Dentistry Today Write review for this local business
2890 W White River Blvd, Muncie, IN 47304
(765) 284-3199  
Hoosier Dental Plans Write review for this local business
1600 N Willis Dr, Bloomington, IN 47404
(812) 337-8245  
Dentalnet Inc Write review for this local business
5518 Hammock Glen Dr, Indianapolis, IN 46235
(317) 855-7263  
Rupenthal Dentistry Write review for this local business
5790 E. Main Street Suite 110, Carmel, IN 46033
(317) 844-2810  
Deldar Dental - Dentist in Indianapolis IN Write review for this local business
14753 Hazel Dell Xing , Noblesville, IN 46062
(317) 208-0000  

According to the Centers for Disease Control and Prevention, 23 percent of adults have untreated cavities. And yet dental health insurance often goes ignored in the course of gaining medical coverage. Ask these questions when looking for individual, group or family insurance.

  • What is the most economically wise plan?
    A cheap plan isn't always the best plan. To find what is truly the most affordable, weigh premium costs against benefits. A benefit may come in the form of percentage discounts, such as when you pay 15% of the cost to get a crown. Full coverage after a copayment means that you pay, say, $30 for a denture mold.

  • What are my potential needs, and what does the plan cover?
    Most insurance covers such basics as having the dentist clean your teeth, fill cavities, and treat the occasional root canal. Find out what is covered beyond this routine maintenance. If you are getting family insurance and have young children, for example, find out whether the plan covers orthodontic care (braces).

  • What isn’t covered?
    Certain individual procedures such as having bleach applied to tooth enamel will usually be excluded. And most plans have a total annual maximum on what they will cover.

  • Should I get a PPO or a DHMO?
    A PPO will provide more flexibility in terms of whom you can see. If you go to a dentist or specialist outside of the plan’s network, you pay a higher copayment. With an HMO, you have to get a referral from your assigned dentist in order to see a specialist. PPO plans tend to be more expensive.

  • Does this plan cover diagnostic care?
    Beyond flossing and brushing regularly, you can stay proactive about dental health with diagnostic care. X ray coverage falls into this category. Most plans will cover a percentage of these costs.