Individual Dental Insurance Plans - Don't Let This Happen To You12 Nov, 2015
Individual Dental Insurance Plans - Don't Let This Happen To You
Finally! You've been researching several different individual dental insurance plans to find something within your budget and you've just come across a few extra dollars so you can get your plan started. What a relief this is because you have a couple
bad teeth that are really causing you a lot of grief and you're relieved that you'll finally be able to get them taken care of. So you go through the list of individual dental insurance plans that you had set aside and, "aha", there it is! You grab the information and run down to your local insurance company to speak to an agent and get your policy started.
A few days later you call up your local dentist to make an appointment in order to get those bad teeth fixed. They're busy so it will be a couple of weeks but you figure that you've waited this long so it won't hurt to wait awhile longer. Well, the day of your appointment finally comes and you get to see the dentist. As a new patient, they'll ask you if you currently have any problems and they'll need to do an in depth check-up, including x-rays in order to find out exactly what's going on inside your mouth and determine what must be done to get these problems taken care of.
A little while later you've finished your exam and the dentist comes back into the room to talk to you. He informs you that of those two teeth that have been bothering you, one can be repaired by cleaning it up and giving you a filling, however you'll need a root canal in order to fix the other or else you'll need to have it extracted. Unfortunately, this is one of your front teeth and having it pulled would leave a visible hole in your smile. So you tell the dentist that you'd like to have the root canal done and to go ahead and fix that other tooth while he's at it.
You get the shock of your life when the dentist asks you "how would you like to pay for this?" You thought that your individual dental insurance plan covered you, that's why you bought it in the first place, however, your dentist informs you that these conditions you're having trouble with are both pre-existing and that your dental insurance will not pay for any condition that is pre-existing. If you want your bad teeth fixed then you must pay for the work out of your own pocket.
Don't let this happen to you. Individual dental insurance plans are not what you think they are. Insurance is designed to provide coverage for an event in case it "might happen", not something that "already has" happened. So what do you do if you need immediate dental care? There is an affordable solution.
Discount dental plans are an alternative to dental insurance that was introduced around 15 years ago. These plans make arrangements with qualified dentists in order for you to receive big discounts in exchange for paying cash in full at the time of your visit. Some of these plans offer savings as high as 60%!
The bottom line is that individual dental insurance plans are not the solution for people that have an immediate dental care need. Since discount dental plans are not insurance they have no restrictions on what you can use them for. Don't let that be you in the situation described previously. Get more information about discount dental plans today!