Best Dental Plans - Choosing the Best Dental Plan For You12 Nov, 2015
Best Dental Plans - Choosing the Best Dental Plan For You
The best dental plans are the ones that fit all the needs of the patient, and are affordable. Finding the best dental plans is easy if you know what to look for. The biggest decision you must make is whether to go with traditional dental insurance, or a discount dental plan.
It is estimated that nearly 120 million Americans are living without dental insurance. The problem with it is that it's very expensive. While prices vary, most coverages fall into the $100 a month range. Other problems with it is that you usually will not be allowed to get coverage if you have any pre-existing conditions that require treatment immediately. Most plans will require that you wait up to two years until insurance will cover the cost of certain procedures.
If you have a preexisting condition, a discount dental plan could be the best dental plan for you. While you will most likely pay more out of pocket for any given dental procedure, you will pay significantly less for the plan itself. Some quality plans can be as low as $60 a year.
The plan works by a network of dentists agreeing to provide discounted dental work to the members of the plan. Therefore, if you have a specific dentist that you want to go to, you have to make sure that he or she is a participant. In many cases, the dentist of your choice will not be a participant.
However, if you need immediate dental work or cosmetic dental work, a discount plan will most likely be your best option if you don't already have dental insurance.