Open enrollment is all about health insurance to many people. They focus on their coverage options and the needs they might have in the coming year. But open enrollment should inspire you to think about dental insurance as well.
Peggy Molero, telesales representative at Starmount, shared her tips on having a great experience in buying a dental insurance plan during open enrollment.
Know Your Open Enrollment Situation
At open enrollment, you may be losing group coverage or retiring and want to continue with an individual plan, Molero said. Or you may find it more affordable to purchase a standalone plan than to purchase a health insurance plan that includes dental coverage.
“We offer a variety of plans with benefits to fit many family needs, and that are very affordable. The plans provide a very large network of providers to choose from,” Molero said. “If you had a dental plan that is no longer working, you can change your plan.”
People who are enrolled in Medicare have a limited time to change their Medicare choices, Molero said. “Medicare Advantage Plans may change annually, as these are yearly contracts with Medicare—some plans may offer dental one year and not the next,” she said. “Medicare alone does not cover routine dental or vision, so purchasing an additional dental and vision plan could definitely offer additional coverage, and the member can keep their dental plan as long as they like.”
Have Your Open Enrollment Information Ready
When enrolling in a dental plan, you’ll generally need to provide the same type of information that you do for health insurance. To enroll in a family plan, the policyholder provides their full name, birthdate and often at least the last four digits of their Social Security number, as well as payment information, Molero said.
Consider Different Plans
As with your health insurance, you’ll need to do a little homework to determine which dental plan is right for you. For example, it’s important to determine if your preferred dentist is in-network and will be eligible under a PPO plan, or if a fee schedule plan might make more sense, if there aren’t a lot of network providers in your area, Molero said. In addition, it’s important to understand how waiting periods work and if they apply. And sometimes people in the same family may have different needs, so separate plans may work best for them, Molero said.
Doing your research will help you find a dental plan that works for you.
“It’s important to get enrollment correct,” Molero said. Picking the right plan will help ensure you get the treatment you need throughout the year.
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