With the hard times many of us are facing due to the recent economic downturn, traditional forms of insurance are no longer affordable. Many of our employers have stopped offering coverage or have cut back tremendously on what is covered. One of the first things to go is our dental coverage. Therefore, many of us are stuck and left to search for individual dental coverage on our own. Luckily, there is a non traditional option that is gaining in popularity.
Joining a discount health plan is a great way to get affordable coverage, especially for an individual. Because one person goes to the dentist a lot less often than a family does, these plans make financial sense. You have to pay out of pocket for every dental procedure you have done, but you do so at a significant discount if you are a member of the discount dental plan. The amount of the discount depends on the group you join and the procedure you have done, but it will be somewhere in the 40% to 70% range.
The amount you pay to be part of the group is much, much lower than traditional dental insurance premiums. Most groups charge annually and don’t ask for more than $100. Some ask a little more but they usually have larger lists of participating dentists.
While the amount you will pay at the time of your dental visit will be more than it would be with traditional dental coverage, you will still save money in the long run by not having to pay the premiums.
Don’t overpay for dental insurance coverage [http://www.affordableinsuranceoptionsonline.com/category/dental-insurance/]. There are some websites that can help you secure quality coverage at affordable rates. The Affordable Dental Insurance [http://www.affordableinsuranceoptionsonline.com/cheap-dental-insurance-options-that-you-qualify-for/] Directory is a free online resource that has a lot of information on how to find affordable coverage plans that fit your needs.
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