When choosing a dental plan, it is necessary to consider such factors as the type of the plan, premiums and deductibles, services included, waiting time, and so on. It is noteworthy that many dental plans can be used, and it is essential to choose the one that is the most appropriate and beneficial for a particular person (“Federal employee dental and vision insurance program,” n.d.). When choosing a dental plan for myself, I would choose GEHA Connection Dental Federal (High) as it is affordable and comprehensive (“Dental & vision: Plan information,” n.d.).
One of the factors in favor of this plan is its type (PPO). PPO plans provide considerable freedom to consumers who can choose from a variety of practitioners. I do not have a preferred dentist, so I can choose from the professionals enlisted. At that, I have friends who may recommend a good professional to address particular dental issues, so the freedom provided by the PPO plan is quite important. Another central factor is the monthly premium to be paid. It is not high though it is not very low ($38.03) as compared to other plans. For instance, it is higher than the premium in the standard GEHA plan ($22.08), but it has some essential benefits.
One of these crucial factors is the waiting time. In the high GEHA plan, there is no waiting period, which can be vital in many cases and simply convenient for me as a person who values time. The plan is also attractive since there are no deductibles, so there is no set amount of money to be paid before the insurance can be used. The annual maximum benefit is also worth people’s attention as insurance may cover up to $35000. I am a young person with no explicit dental issues, but it is better to be prepared and have an effective dental plan in case of an emergency. When choosing the plan, I also paid attention to particular dental benefits. Preventive and intermediate services are essential for me, so the coverage seems appropriate (80-100%). The coverage of 70% of orthodontic services is also an important benefit as I would like to use some of these services.
It is also necessary to note that the plan in question is quite easy to use for an average consumer. The plan has all the necessary data, and it is quite easy to access the list of available dentists. Each customer receives an ID that is used whenever some services are required. It is important to add that the plan includes information concerning the services that are covered and the ones that cannot be covered within the plan limits. Of course, a person who has not used any insurance plan (a young person) can find some information confusing. However, there is a support team that can explain some points that are not clear.
In conclusion, it is necessary to note that GEHA (high) is the most appropriate option for a single person who does not have serious dental issues. At the same time, the most important preventive and intermediate services are covered, which makes the plan attractive. Some may note that paying $30 monthly is not cheap dental care, but I believe in prevention, and I tend to have regular check-ups. For me, the amount paid is significantly lower than my possible expenses provided I have chosen another plan or no plan at all.
References
Dental & vision: Plan information. (n.d.). Web.
Federal employee dental and vision insurance program (FEDVIP). (n.d.). Web.