Discount dental plans are available. They are a very important part of your medical coverage. If you don’t have dental coverage, these discount plans will allow you to get the immediate or preventive oral care you need without breaking the bank.
The Advantages of Discount Dental Plans
These plans are not to be confused with traditional insurance. They a great alternative that can save you a lot of money. They are different from a traditional plan in the following ways:
There is no long waiting period for coverage so you can make an appointment right away. Unlike traditional insurance, you do not have to go through an underwriting process. Basically, everyone is eligible for coverage under this type of plan. There is an annual fee for membership. Once you pay it and select a dentist, you are covered. It’s that simple. If you choose a family plan, the whole family is covered at the same time so you can make appointments together. Once you are enrolled, the plans work like this: licensed dentists offer their services at a significantly discounted rate to members of the discount dental plan network. Their discounts range from 40% to 60% off the normal cost of their services. For example, if a procedure normally costs $249, that procedure may only cost $99 to plan members. This is a significant savings that could mean the difference between seeing a dentist or suffering with a problem in your mouth.
There are no monthly premiums. Since you only pay an annual fee, once you pay it you are done with payments until the following year. No matter how many times you or your family sees the dentist throughout the year, you only make one plan payment.
There are no deductibles. Since discount dental plans are not like traditional insurance, there will never be a deductible to pay before your coverage kicks in. As a plan member, once you select a dentist you will be eligible for the discounts they offer for their services right away. Your discounted payments will be made directly to the dentist. Depending on the cost and nature of the services that are provided, you may be able to schedule installment payments directly with the dental practice in order to get your oral care.
There are no hidden fees. Each dentist will provide you with the discounted cost of services up front. There are no hidden fees in discount dental plans, and no hidden fees in the bottom line cost of services. What you are quoted is what you will pay. There should be no surprises.
You may think that discount dental plans offer poor coverage. This is not true. The coverage is full and comprehensive. The services that are provided include emergency appointments as well as preventive care appointments. Depending on the plan you choose, most dental care services covered in the plan include general cleanings, x-rays, fillings, extractions, root canals, crowns, braces, bridges, veneers, orthodontics and more. Each dentist in the network is board certified with additional certifications in their field of specialty.
Discount dental plans are available in most areas. Once you enter your zip code, you will see a list of participating dentists near you. You will be given information on location, specialty, hours of operation, and additional information that will help you make a choice you are comfortable with. Do not ignore your oral health. There are some serious diseases that have symptoms that start in the mouth. Discount dental plans are available, and qualified dentists are standing by to take care of you.
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