Purchasing dental insurance can be a daunting decision. It may not be easy to determine which plan and coverage options best meet your needs. At first glance, two plans may seem exactly alike. In actuality, they could be very different, especially if the two plans are offered by competing carriers.
Here are four areas you’ll want to review when evaluating dental plan options:
Network of Dentists in Hawaii
Dentists who participate in networks agree to accept fees substantially lower than retail. Also, the larger the network, the more likely your dentist participates. With 145,000 dentists in its combined PPO and Premier networks, Hawaii Dental Service is part of the nation’s largest network. To find a dentist in our network close to you, CLICK HERE.
Cost Management
Insurance premiums are only one measure of a dental plan’s true cost. You’ll also want to compare each plan’s:
Look for a plan that encourages preventive care. Individuals who manage their oral health by seeking preventive care tend to have lower long-term dental costs, as they typically catch issues before they become too serious or expensive.
Hawaii Dental Service
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. Hawaii Dental Service prides itself on how fast we answer we answer the phones, but also in how we handle your questions and requests.
Dental Expertise
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 much different than building a network of medical care providers. Look for coverage from a dental expert – one with a commitment to your oral health.
Hawaii Dental Service has worked hard to improve oral health by emphasizing preventive care and making dental coverage accessible to a wide variety of employers and individuals. Founded by dentists, we offer dental coverage plans that are based on current research and designed to keep people their healthiest and most productive.
We hope this information will help you choose the best plan option for you and your family. However, if you have more questions, we’re happy to help. Click here to learn about our Individual and Family Dental Plans. 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.
*Updated June 2019
