Dental insurance can be a tough task in case you don’t know the most important aspects to look for when you are picking up a dental insurance. Life can sound dull if your teeth aren’t making you feel good, because unlike everything else, teeth are the first thing that people notice when you talk to them and so it is important to take care of them.

In case you visit a dentist, you can be rest assured that the charges of repair or any medication will be way too high than normal situations because such services cost a lot. Here are 4 things to check before you pick a dental insurance:

4) Network

Some people have a family doctor that has been there for ages and you would want to consult him before visiting a dentist. Dentists or any doctor works in a network, which ensures that you don’t get stuck with some doctor forever. In case, you wish to pick a dental insurance, do check on the set of doctors that the dental insurance offers and if the list is less, you may want to re-think before signing on the dotted line.

3) Coverage

Did you check that what all does your dental insurance cover?

A basic check up and a simple medication doesn’t really need a dental insurance. It is only when you need some major things to be checked or worked upon that a dental insurance comes in handy. Even before you pick a dental insurance, check if Class I (Preventative Care) including cleanings, exams and X-rays or Class II (Basic) including fillings and extractions; Class III (Major) for crowns, bridges and implants; and Class IV (Orthodontia) is covered or not.

2) Benefits

Did you know that some dental insurance have a waiting period in their clause too? Make sure you know the waiting period – if one exists – for the policy you select.

Many policies come with a maximum amount of annual benefit you can receive, typically around $1,500 per person. So it is important to read the fine print properly before reaching an agreement.

1) Premium

Premiums vary a great deal. Overall, the adage “you get what you pay for” applies to some degree with dental insurance plans: The higher the monthly premium, the higher the yearly maximum. That said,  it is important to choose a plan that offers rates you can easily afford and that gives you the best value for your money.