Affordable Discount Dental Plans

How To Find Affordable Dental Plans In Your Area – Right Now

Finding an affordable 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.

Dental Insurance

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.

Policy Limits

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 Dental Plans

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:

No deductibles
Pre-existing conditions are no problem
No age limits
No exclusions
No annual limits
No co-pays
No deductibles
And more….

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 clicking here

Affordable Dental Plans

Finding an affordable dental plan can be very difficult, especially for families. Finding affordable health plans is hard enough, but locating a health plan that will also cover your dental care needs can be next to impossible.

You see, dental care is one of the most ignored areas of health care. If you think that I’m being too dramatic, take a look around next time you walk down the street. You may see dozens of people who have bad teeth. Some of them are even difficult to look at because they haven’t had access to a dental plan that they could afford or an affordable dentist. Some people believe that the number of people with bad teeth is more than those with good teeth. It really is a bad situation. As a matter of fact, at the time of this writing, seven out of ten people in the United States have no type of dental care.

If you are looking for an affordable dental plan, you really need to do your research. One of my good friends thinks that you should try to find affordable dental plans that cover you, no matter what the dental procedure. I think that this is a big waste of money and time. It’s also easier said than done.

The fact is that, unlike normal health insurance, you don’t need dental insurance all of the time. You should go to the dentist about twice per year, under normal circumstances. It will be a lot easier for you to find affordable dental plans that allow you to go to the dentist twice a year than ones that make you pay outrageous premiums every month. But, unless you get your teeth chipped or knocked out on a daily basis, there is no need to go more than twice a year. The chance of a dental emergency is slim.

Of course, you might find that the advantages of having an affordable dental plan outweigh the savings of not having any dental coverage. Even if you use more popular dental plans, it can still add up to a lot of money spent in the long run. If you have good dental hygiene habits and good teeth, you might just want to pay for your dentist appointments out of pocket.

Dental discount plans are the best option for this. The monthly payments (or annual) are extremely affordable and the savings, especially on procedures like crowns and root canals, are substantial. This is one of the most affordable dental plans that there is, especially if you are only going twice a year to have your teeth cleaned.

Then again, even more important than having affordable dental plans is having a dentist that you can get along with. This is why you should look for affordable dental plans that allow you to have your pick. Dental discount plans will give you this option. If you’re not happy with one dentist then simply see a different dentist within their network. No harm, no foul.

If you’re looking for an affordable dental plan then I highly recommend that you look into a dental discount plan. You can get more information about dental discount plans Right Now by clicking Here and entering your zip code.