If you are self employed, unemployed, or your employer just doesn’t provide dental insurance, you may be looking for ways to find affordable dental coverage. Besides traditional dental insurance, there are now discount dental plans all over the place and are a great option for some people. So, what is a better option for you? Traditional dental insurance or a discount dental plan? Below is a description of each and the pros and cons of each.
Traditional dental insurance. Of course, there are variables with all the different types of coverage but generally speaking, you pay a premium to secure coverage. When you go the dentist, you make a small co pay amount and your insurance coverage pays the rest.
Pros – You pay very little at the time of the visit to the dentist. Most procedures are covered, up to a certain dollar amount. You can usually choose your own dentist.
Cons. There is often a waiting period for work on preexisting conditions. Premiums are expensive.
Discount dental plan. You pay a small fee to become a member of the group and when you need dental work, you go to one of the plan’s participating dentists and receive your dental work at a discounted rate.
Pros. There is no waiting period like there often is through traditional coverage. The fee to become a member is very low, usually under $100. You receive discounts on every type of dental procedure around.
Cons. You will pay much more out of pocket than you would with traditional insurance. You can only choose from a select group of dentists.
Don’t overpay for dental insurance. There are some good websites that can help you secure coverage at affordable rates. The Low Cost Dental [http://www.affordableinsuranceoptionsonline.com/category/dental-insurance/] Insurance Directory is a free online resource that has great information on how to find affordable coverage plans that fit your needs.
Article Source: http://EzineArticles.com/expert/John_Gephart/135606
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