A smart dental insurance comparison evaluates the dental plan options local to his or her area. The logic behind this is 1) some dental plans are limited to regions within a state, 2) premiums for the same plan may differ within a state because of differences in the cost of dental care, and 3) some plans charging the same price have differing levels of benefits. By entering a zip code and info the number of people you want covered, this website allows you to compare all the plans we have available in your area.
A smart shopper should also compare dental plans on their value. Value is the amount of benefits you receive in exchange for your monthly premium. Since benefits are not standardized in the dental insurance market, some plans may offer comprehensive coverage while some offers may omit coverage for major care such as root canals and crowns.
You should also compare the network options among plans in your area. Dental insurance is only as good as the dentists who accept it. If your dentist is not in-network, you may pay higher out-of-pocket fees or have no coverage at all.