Believe it when I say "Dental Insurance" can be complex. I see several areas of commonality with clients when they look for dental insurance. They are:
Often enough, the more expensive the dental premium the more likely that your dentist is in the network. Why is that and why do you need to know the reason? Well...dental insurance is a little different in how it handles providers in a dental field when you look at health insurance carriers and how they handle medical doctors. Dentist have more pull in general with insurance companies because their services are more frequently used rather than your "medical doctor". Plus there are not that many dentists around which means more demand for higher pay rates for the dental insurance carrier. They (established dentists) are popular so people just don't buy a policy that isn't accepted by their dentist. Sound familiar? This type of plan and scenario is comparable to Dental Select Insurance Company and the many plans it offers. The dental premium is more expensive BECAUSE they have a large and expansive dental network. They control losses (in case you are curious) by implementing what I call "stop losses". In other words they pay up to a predetermined amount for a particular dental service and nothing more. The balance usually gets billed to you by your dentist.
NOW...there is another side of the coin. Total Dental Insurance Company has a limited dental network because the fee schedule is not as FAT as "Dental Select Insurance Company". As you compare the dental plans between "Dental Select" and "Total Dental" you will find they are very similar if not identical in many areas. BUT your long time dentist may not accept "Total Dental". So why would you consider changing dentist and even enrolling into "Total Dental"? Well....the newer dentist are guys starting out that have incentive to enroll and participate as a provider for "Total Dental" because they are guaranteed customers which helps grow their practice. I could even argue that these "new guys" are trained in newer technology and better procedures than "grandpa" (my own personal opinion and experience). However...do you want a "new guy" to learn through trial and error on you?
It all comes down to this: