Individual dental insurance plans are out of reach for the average family because of the cost, not to mention the high deductibles, exorbitant co-pays and low annual caps.
The fact is, even if you can afford an individual dental insurance policy, if you read the small print on a "low monthly premium" dental insurance plan, you will find that a single major procedure, such as a crown or root-canal, can easily take you straight up to your annual cap! That means any other procedures will have to be paid for by you, out of your own pocket!
The bottom line is, if you analyze the overall cost of so called "affordable dental insurance", you will find that you are not actually saving much at all, in fact in some cases these plans can actually leave you out of pocket!
More than 10 million Americans have already found an affordable alternative
Individual and Family Discount Dental Plans have proved to be a great alternative to dental insurance. They allow individuals and families to get the oral healthcare they deserve at a price they can afford.
Discount dental plans are discount programs that people can join to gain access to savings of up to 70%!
Discount plans can save a family an average of $1,200 a year.
It is important to note that they do not share any of the characteristics of dental insurance.
Dental Discount Plans DO NOT have:
3 Annual maximums
4 Waiting periods
Most dental discount plans also offer significant savings on dental specialties, such as teeth whitening and orthodontics, while most dental insurance policies do not cover such procedures.
Last but not least, there is no tedious claims paperwork either; discount dental plan members simply present their membership card to a participating dentist at the time of service to receive their discounts.
Before joining any Dental Discount Plan there are a few things I recommend you check:
1 Does the plan have a sufficient number of participating dentists in your area? (Any plan that will not provide this information upfront should be avoided)
2 An individual plan should not cost more than $9 per month and family coverage should not cost more than $20 per month.
3 The cost of procedures. A reputable plan will happily provide you with a full fee schedule for your State before you enroll. If they don't it is likely you will find some nasty surprises down the road. (Do not base your decision on national average costs because costs vary from State to State)
4 Is there a money back guarantee?
5 A number of providers now also include vision discount plans within the price. It's therefore worth checking to see if the plan you are looking at includes vision without additional cost.
Discount Dental Plans can save you up to 70% on dental procedures.
They do not have waiting periods and all types of oral healthcare are covered, including diagnostic, preventative, restorative, endodontics, periodontics, prosthodontics, oral surgery, orthodontics and adjunctive services.
Dental Discount Plans are an affordable and easy to use alternative to traditional dental insurance and will save most families a lot of money on their dental care.
If you are one of the 7 out of 10 Americans with no dental benefits, now you are aware of dental discount plans, it's probably worth seriously considering joining the 10 million plus people that are already benefiting from the savings they provide.
Article Source: http://www.bharatbhasha.com
Article Url: http://www.bharatbhasha.com/health.php/267842
Article Added on Wednesday, October 6, 2010
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