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 NEW JERSEY AND CONNECTICUT
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, Delta Dental has 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
· annual maximum
· deductibles
· covered services
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.
DELTA DENTAL OF NEW JERSEY AND CONNECTICUT 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. Delta Dental of New Jersey and Connecticut 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.
Delta Dental of New Jersey and Connecticut 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.
Cosmo Insurance Agency is an independent insurance agency serving surrounding communities in New Jersey. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating the latest in technology-based tools and laws on healthcare, employee benefits, life insurance and finance, we keep our clients up-to-date with the plans that encompass all of their needs, whether it is individual or group insurance.
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