Dental insurance can help lower the cost of care you would otherwise pay out of pocket. Here’s what you need to know before choosing a plan:

• 1
  You pay a premium

  Most often a monthly amount paid to the insurance carrier. If coverage comes through an employer, it may be deducted from your pay. If you have two plans, the first plan pays first.

• 2
  There may be a waiting period

  You may have to wait up to 12 months for full benefits. However, preventive care is usually included from day one at no cost.

• 3
  Do you have a primary dentist?

  Check with your dentist about their preferred carrier. Sometimes dentists have their own program for regular care.

• 4
  In-network vs. out-of-network

  Depending on the plan, you may or may not be required to see dentists within the plan’s network.

• 5
  Frequency and limitations matter

  These terms tell you what you’re covered for, what you’re not, and when full benefits begin.

• 6
  Deductibles

  A deductible is the amount you must pay out-of-pocket before your plan starts sharing costs.

• 7
  Coinsurance, maximums & copays

  Once you meet your deductible, you and your plan share costs. Most plans have an annual maximum — after that, you pay all additional costs.

• 8
  Preventive care is often no-cost

  Oral exams every six months and routine x-rays are typically included at no cost. Children may receive additional preventive care as well.

• 9
  Plan ahead for the care you need

  Coverage is broken into categories: preventive, restorative, orthodontic, and more. If you anticipate crowns, root canals, or implants, choose a plan that covers specialized care.