There are many dental discount plans available, and which one suits you best is something that only you can decide. Weigh what’s available in each plan and then decide if you are seeking routine coverage or other dental treatments. There is often a 5-10% difference from one plan to another.
Of course there is no such thing as a plan that will cover each and every one of the costs of dental care, so you will have to compare each plan, and choose which one seems to cover what you are seeking as well as what you need. This should help you to decide. Of course in comparison to medical coverage, dental plans will generally offer fewer benefits. This is especially true when comparing discount plans, as they do not cover as much as insurance plans do.
You see, the typical non-insured dental treatments that the majority of Americans use will cost approximately $300 per year. This should typically cover dental hygiene visits and cleanings. Most non-insured restorative dental procedures, usually referred to as cosmetic dentistry, can easily cost $25,000 or more! However what dental discount plans offer is that you will not have to pay the full uninsured cost, as outline above. Rather you will receive a certain percentage discount.
Dental insurance plans will often have set limitations on the number of dental visits you’ll be permitted to have, along with X-rays that are covered, but often other services may be exempted from coverage. This is one area where dental discount plans differ from insurance plans. Nothing will be excluded, nor are there limitations on the number of visits.
Sometimes with insurance you will only be reimbursed if you choose an alternative to treatments that is lower in cost. However with dental discount plans, you do not need to do this. As with many medical plans, insurance plans may not include treatments for various pre-existing conditions that you may have. With dental discount plans, pre-existing conditions do not matter.
An example of what it will cost you for a dental discount plan may be having a cleaning procedure done. The uninsured cost of this procedure may be $60.00 but you may receive a bill for only $24 if you receive a 60% discount. Of course, there is also a monthly fee involved for the dental discount plan too, but these are usually pretty low in cost.
You may find that a dental discount plan also presents you with additional benefits such as the fact that these plans are immediately available after sign up. Unlike many insurance plans, there are no waiting times for procedures. Many insurance companies make you wait up to 18 months for some procedures.
Article Source: http://EzineArticles.com/3138356