Finding a cheap dental plan in today’s economy isn’t as easy as you may think. For one thing, many people are in a position where they’re already having to pay for a private health insurance policy or can’t afford one at all. This puts dental care in the “luxery” category for a lot of people. However, there are affordable options that you may not be aware of. Let’s take a look at what’s out there.
You’ll be choosing a dental plan from these two options; dental insurance or a discount dental plan. Here are the differences between the two.
Traditionally, this would be the first thing that would come to mind. However, this is not necessarily the best option these days, depending on your immediate needs.
Most of these policies will not pay for any problems that you currently have. These conditions are called “pre-existing” and you would be deemed responsible for them. Insurance is only going to provide coverage for things that may happen in the future, not problems that have you already have. Many policies will provide coverage after a one year waiting period has passed but the coverage will be minimal.
Most plans have annual limits in place. This means that the company will only allow payments up to a maximum amount, such as $2,500 for a family or up to $1,000 for an individual. This may vary with each company, but these amounts are fairly common limits.
Just like health insurance does, most dental policies also have annual deductibles. This means that you must pay an agreed amount out of your own pocket before your plan will begin to help you. The deductible can be lowered or eliminated by paying higher monthly premiums.
Discount plans are not actual coverage in the traditional sense. There are no payments made to your dentist from the company offering the plan, instead all payments are made by you directly to the dental provider.
Discount plans are networks of dentists and specialists that have agreed to work on a reduced fee scale in order to be paid cash in full at the time the service is provided. An example of this might be a 30% discount offered for cleaning. The usual cost might be $75.00, but you’d only pay $52.50. This would save you $22.50, however, you’d have to pay the full amount of $52.50 at the time of your appointment.
Paying cash in full can be a problem for some people, however, if you have an immediate care and don’t already have insurance, then you’ll need to pay 100% of the costs.
Some of the benefits of discount dental plans are:
Pre-existing conditions are no problem
No age limits
No annual limits
If you’ve been shopping around for an affordable dental plan for an individual or family, I recommend you take a look at discount plans as an affordable option. You can get more information Right Now by entering your zip code in the light blue box at the top of this page. Do it Today!