Dental pains are the most dreaded not just for the physical pain it causes but the dent it puts on your pocket. Having a Dental Insurance may not reduce the physical pain but at least relieve you of mental stress. If you still don’t have a Dental Insurance, it’s time you get one before it starts aching. And while you are considering your options here’s what you need to know about the Dental Insurance plans.

1.Assignment of Benefits

The clause states you can allow the program administrator to pay the dentist directly for the procedure covered in your Dental Insurance plan. However, some Insurance Companies may not entertain dentists who have not taken part in their program and rather transfer the cash to you. This could lead to complications as the dental offices have the policy to accept payment via direct assignment and do not prefer being paid at the time of service.

2.Coordination of Benefits

Coordination of Benefits applies when a patient is eligible to reap benefits from more than one Dental Insurance plan. In such cases, the Insurance company would consider the plan in which the patient is enrolled as non-dependent to be the primary policy. Accordingly, the one in which the patient is enrolled as a dependent is considered being the secondary policy. As a beneficiary, you must be certain that the primary plan specifies the coordination of benefits clause.

3.Delayed Claim Payments

Delayed Claim Payments is one of the most common grievances by policyholders against Dental Insurance companies. Often this is a result of additional documents and proofs demanded by the insuring companies. While there is legislation passed to encourage prompt payments, it is, however, applicable to claims that are complete and are not missing any required information. Some Dental Insurance companies might resort to such practice just to avoid paying. So you must do your research on the Insurer, before enrolling for any Dental policy.