Once you’ve determined if dental insurance or a dental-discount plan is ideal for you, the next step is to narrow your choices.

Smart strategy: If you like your current dentist, ask the office manager or person who processes insurance claims for a list of insurers the dentist accepts and which dental-discount plans, if any, the dentist belongs to. Considering these options first will ensure that you get to keep your dentist if you sign up for insurance coverage or a discount plan.

Other steps when choosing an insurer or dental-discount plan:

• Ask for a list of in-network dentists. Avoid insurers and discount plans that require a deposit before sending you information.

• Call local dentists on the list that interest you most to be sure they are still part of the insurer’s or plan’s network.

• Go online to confirm that a discount-plan company has registered in your state—a requirement for any legitimate business. If you live in Ohio, for example, type “business registration + Ohio” into Google.

• Ask for an office address. Steer clear if you’re given only a post office box.

• Consider large, established insurers. Be sure to ask your dentist’s office manager about the insurer’s reputation, especially when it comes to timely payments and hassles.

• To determine the quality of a dentist in a dental HMO or discount plan, first verify that he or she is actually licensed to practice in your state. Then see if there has been any disciplinary action taken against the dentist. You can find both online and for free at your state’s dental licensing board. Locate your state’s board at DentalWatch.org.

Want to Know More?

• What is Dental Insurance?
• Should You Buy Dental Insurance?
• Grilling Guide: Questions to Ask to Get the Best Deal