How to Apply for a Dental Insurance Plan

Dental insurance is separate from typical health insurance and covers issues specifically related to your oral health. Policies for dental insurance range from the very basic, covering only accidents or problems, to the complex where yearly checkups and cosmetic procedures are covered. Like health insurance, dental insurance can be subject to preexisting condition clauses that can make some ailments be excluded from your policy. When applying for a dental insurance plan, it's important to follow the instructions of your specific provider.

Instructions

• 1

  Compare the features of dental plans, including those from different providers. Different plans contain different levels of coverage. Pay specific attention to what procedures are covered, how many visits the plan covers, what percentage of procedures the insurance will cover and how much any co-pays and deductibles will cost you.

• 2

  Obtain an application form. Many plans offer application forms online and allow for electronic signatures; other plans require a paper application.

• 3

  Fill out the application form. Applications include questions about your prior coverage, your dependents and your current health insurance coverage.

• 4

  Attach a method of payment if required. Some companies require the first premium to be paid with the application. Others elect to process your application first, then ask for the premium to formally begin the policy.

• 5

  Send your application form and premium to the address listed on your application form. Your company will then contact you with information about your plan or if they need further documentation, such as a certificate of creditable coverage from your prior plan.