Dental Insurance Vs. Discount Dental Plans – Which is Best?
You’re looking to save money on your dental bills. But will dental insurance or a discount dental plan save you the most money? Here’s a comparison that will show you which one is best for you.Dental Insurance Plans
With dental insurance you pay a monthly premium for which you receive dental work. The plan provider reimburses your dentist for part of the work, usually 50% to 80%, then you’re responsible for paying the rest.
Insurance plans usually have a set deductible and limits on the amount of services you can receive within a given year. There are also waiting periods of 3 to 12 months before you can receive dental treatment, and preexisting conditions are not covered.
Premiums for one person average out to $200 to $500 per year, and you can choose your own dentist. Discount Dental Plans
With discount dental plans you pay a yearly premium for which you receive 10% to 60% discounts on all your dental work. There are no waiting periods before you can see a dentist or dental specialist, and preexisting conditions are covered. You can see a dentist within one to three days after joining a plan and get all the dental work you need.
Discount dental plans have no limits on the amount of work you can have done, and there are no deductibles. There are no form-filling and paperwork hassles like there are with dental insurance, and discount dental plans cover cosmetic dentistry which dental insurance doesn’t.
With these plans you can choose from over thirty nationwide networks, and more than 100,000 dentists and dental specialists. Premiums for one person start at $80 a year.Bottom Line
Last year I needed two fillings, two root canals, and a number of crowns replaced. When I checked out dental insurance plans I found that none of the work I needed was covered. In addition, I would have to wait for six months before I could get any other work done, and the yearly premium was $420.
I then took a look a discount dental plans. What a difference!
All of the work I needed was covered, I was able to see a dentist the same week I signed up for the plan, and my initial exam was free. Not only did I save more than $2,500, but I found a dentist who was virtually painless, and who took the time to explain every procedure.
If you need work now or in the future and want to save a lot of money on your dental work, discount dental plans are the way to go.
Visit http://www.LowerRateQuotes.com/dental-plans.html or click on the following link to get dental plan rates from top-rated companies and see how much you can save. You can get more dental plan tips in their Articles section.
Oftentimes many people will get ripped off online simply because they simply don’t plan well enough, do enough research or ask questions. If you are considering signing up with an online dental company, the following tips will help you select the best coverage with the most qualified company.
1. Determine what your needs are: individual and family coverage, business and/or group coverage? You will want to know this before you visit any website, because you may have a set budget and will not want to go over it.
2. Do you have the freedom to choose from many discount dental plans? Some sites are only advertising one company and you may want to compare rates with other companies.
3. Are customer care representatives available through an online contact form… Continue reading
Regular dental check up is the foremost advice that any dental health care professional offers. But only few of us act on that expert advice. Simply because most of us are lazy. Besides, we do not want to spend money on something for which there is apparently no urgent need. Laziness is the state of mind and has to be taken care of by us on our own, but so far as expenses are concerned, dental insurance plans take much of the load off one’s pocket. However, while going for a dental insurance plan, there are a few things you must ensure.
1.Make sure that the dental insurance plan allows you to choose your own dentist. If the dentist you want for yourself and your family is not among… Continue reading
It is true that dental problems are the most common problems that mankind faces. And in case you have such problems, you need to pay immediate attention to it, because it affects your nutrition and thus your overall health, apart from the huge discomfort it causes. Neglecting dental care can result in serious problems, leading to escalation of your medical expenses.
Dental insurance, in fact, helps you save a lot of money. This is because you can avail of regular check-ups with the assurance that the doctor’s fees would be covered by the policy. Insurance is helpful in other ways as well, like to get you quick medical attention, thus saving your precious time. You can go for a family dental insurance so that you, together with your family… Continue reading
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Filed under: Dental
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