Month: May 2022

Dental insurance is a useful resource to have even if you only go to the dentist for your annual cleanings. Dental insurance has a lot to offer, helping you avoid paying out of pocket for dental work you absolutely need.

The Select Insurance Agency understands that dental insurance can be a difficult topic to discuss if you aren’t familiar with all the lingo. These are the words every Coppell, TX resident needs to know related to dental insurance.

Co-Pay

The co-pay is the amount of money you are responsible for paying at the time of service. For example, your insurance policy might have a $20 co-pay for dental cleanings. You will pay the co-pay at the time of your appointment, and then the dentist will bill your insurance company.

In-Network

As you browse insurance options, you will notice that some dentists are considered in-network while others are out-of-network. Usually, insurance provides more coverage for in-network providers. In some cases, out-of-network providers will get coverage at all. You should use this information to determine which dental providers you want to see.

Waiting Period

Unlike health insurance policies, dental insurance policies may have required waiting periods for specific types of coverage. For example, you may need to wait six months between buying insurance and getting fillings for your teeth. It is important that you read your insurance documents to familiarize yourself with the details.

Get Dental Insurance Information

Do you want to learn more about dental insurance? The Select Insurance Agency can help you choose the right policy to meet your needs. Our Coppell, TX clients benefit from knowing these basic terms and more. Contact our office to learn more.

The world of health insurance can seem confusing and overwhelming. This is why it is good to have knowledgeable insurance experts on your side. At The Select Insurance Agency, serving Coppell, TX and surrounding areas, we aim to provide our clients and future clients with the insurance information they need to make confident choices. Keep reading to learn about health insurance myths. 

Myth- The Most Affordable Plan Has The Lowest Premium 

When you start shopping for insurance, you will immediately see that different plans will have different monthly premiums. You may be tempted to think that the plan with the lowest premium is the most affordable. This is not always the case, though. A lower premium can sometimes mean a larger amount of out-of-pocket expenses to meet a deductible. If you or your family members suffer from any kind of chronic health problems, this may not prove to be the most affordable option over time. 

Myth- Health Insurance Is For Medical Treatment Only

Although most of the services you will receive through your insurance plan will be medical treatments for physical issues, today most insurance plans also offer mental health services as well. When shopping for insurance, be sure to look into the mental health benefits your plan offers as well. 

Myth- Pick One Health Insurance Plan and Stick to It Every Year

Although it can be less complicated to simply keep repeating the same health insurance choices each year, if you want to make sure you are getting the best deal, and make sure you have access to the services you truly need, you will want to evaluate plans carefully each year at open enrollment to ensure you are picking the one that is right for you today. 

If you would like to learn more about our insurance services, please contact us at The Select Insurance Agency serving Coppell, TX, and the surrounding areas.