The cost of dental care is on the rise, and as a result, many people are now turning to a low cost individual dental health plan or low cost family dental plans in order to help them pay for their dental care. Some people are fortunate enough to have dental health insurance provided at work, but this isn’t the case for most people. Here are a few things you should know before you decide to purchase dental insurance.
There are four major types of dental plans that are available for consumers to participate in. Most of these are commonly referred to as dental health insurance plans, although some are not traditional insurance at all.
The first type is traditional dental insurance. Like health insurance coverage, these types of dental plans requires the owner to pay a monthly or annual premium, and the insurance then covers a percentage of the dental costs the policy owner accrues. Employers often offer this type of dental insurance plan to their workers.
The next type of dental plan is called a “reimbursement” plan. This dental plan also involves the employer, but there are no any actual insurance premiums. Instead, the employer pays part of the dental bills accrued by the employee each year. This frees up the employer from having to pay any insurance premiums.
The third type of dental plans are called group plans. With group plans, a group of employees work together to pay the insurance premiums so that the employer isn’t out any money when offering the coverage to them. The more people that participate in the plan, the lower the cost will be for each person.
Finally, dental discount plans are regularly advertised along with dental health insurance plans. This is not actually dental insurance, but a discount plan that helps to reduce the cost of dental procedures for those who don’t have traditional dental insurance. The cost of dental procedures is lowered according to the plan’s predetermined rates. Those in need of an individual dental health plan or low cost family dental plans, should consider discount dental plans as a low cost alternative to traditional dental insurance.