Find the Best Dental Insurance in Detroit, MI

How to choose dental insurance in Detroit

Poor oral health can affect more than your smile; it has been linked with chronic health conditions including cardiovascular disease and diabetes. But maintaining your teeth and gums doesn’t come cheap; according to the American Dental Association, annual per-patient dental expenditures among Americans visiting the dentist at least once in 2013 were $685.

Dental insurance in Detroit cuts down out-of-pocket costs for dental care, whether you go in for a routine exam and cleaning, get a filling for a cavity or have a crown put in.

Policies come in three main types: PPO, indemnity or HMO. Each comes with a monthly premium.

The cost of dental insurance in Detroit depends on the type of policy you choose and whether you want coverage for an individual or multiple people. An HMO plan costs the least of the three major types, while an indemnity policy typically is most expensive.

When signing up for dental insurance in Detroit, be aware that most companies have waiting periods before they pay for certain dental procedures. Dental insurance companies categorize services as preventive, minor (or basic) or major. Most plans will allow you to get preventive treatments (exams, cleanings, X-rays) immediately but require you to wait months before they will help pay for other services. Ask for clarification.

If you can’t afford to wait, consider a dental savings plan, which is usually less expensive than insurance, instead. Members pay an annual fee and get discounts within a network of participating dentists. Dental savings plans are not the same as dental insurance: There are no claims, deductibles, copays or coinsurance. You pay out of pocket at the time of service.