Questions and Answers about Dental Insurance


Whether your dental insurance is provided by an employer or purchased privately, the process of choosing a plan can be complicated and confusing. Here are a few common questions about the basics of dental insurance benefits.

Do I need dental benefits?

Not necessarily. Depending on the level of care you require, it may be more cost-effective to pay directly for your dental care instead of paying for a benefit plan. However, if you regularly require additional dental work beyond standard preventive procedures like cleanings, examinations, X-rays and fluoride treatments, buying benefits may be a smarter choice.

Also, take into consideration the annual maximum dollar amount covered by the insurance plan. If it is fairly low, as many are, insurance may not be too helpful if you need significant dental work.

What do dental plans cover?

dental insurance

The level of coverage varies significantly by dental plan, so it’s a good idea to be familiar with the specifics of your plan before signing up. Many plans require benefit holders to share the costs of dental care through coinsurance or deductibles. Some preexisting conditions may not be covered at all.

It’s also important to note that many dental plans include a one-year waiting period before certain procedures – like crowns, bridges or dentures – will be covered. The specifics should be explained in your enrollment materials, but don’t hesitate to call your insurer with any questions.

How should I choose a dental plan?

If you’re struggling to figure out which dental plan is right for you, ask yourself a few questions:

  • Will the plan allow me to see my preferred dentist and any specialists I might need?
  • What are the total and corresponding costs for the plan, including the insurance premium and including coinsurance, copayments and the deductible?
  • Is there an annual maximum and an out-of-pocket limit?
  • Does the plan cover oral surgery, root canals, crowns or braces? What about implants, dentures and bridges? Is there a waiting period?
  • How does the plan handle emergency dental care

If you need help answering some of the above questions and determining which dental plan is right for you, get in touch. At Glen Oaks Dental, we are committed to providing the best comprehensive dental care and treatment. We will work with you to develop a plan that will help you achieve the best possible results.

To schedule a comprehensive examination or ask about a specific concern, give us a call at 763-786-8460 or use our simple online scheduling tool.

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  • "I had a good experience again. I felt the hygienist did an excellent cleaning, seemed very knowledgeable, and was very pleasant. Dr. Bejarano is always friendly but professional. Although I only have come here the past year, I feel the difficult work that needed to be done was done well and my mouth feels good."
  • "Very satisfied! You guys are awesome! You have treated my mom with such dignity, gentleness, and respect. You are always on time and often early. You explain to both her and me exactly what procedure you will be doing. Thank you so much."
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  • "I would tell others about them. Everyone is so nice and friendly there. I have had good relationship with them. My husband has had a lot more work done there and he hasn't had any complaints."
  • "It was wonderful to be able to come in at night. Thanks to the office staff, hygienist and doctors who stay late and give of their time. It is appreciated. I have never found a more caring and professional staff than at Glen Oaks dental. Thanks for doing what you do. See you in six months."
    Andrew Jurek