The Perfect Dental Plan Candidate12 Nov, 2015
The Perfect Dental Plan Candidate
If you have a dental issue and are on a budget, the following situations would make you the perfect discount dental plan candidate:
o If you have an issue in your mouth and have no insurance whatsoever
o If your employer does not provide dental insurance but you still need some type of coverage to keep up your oral health
o If you need dental coverage and need your benefits to start right away
o If you do not want to go through extensive paperwork and the long application and approval process connected with traditional insurance
But what exactly is a discount "dental plan"? A discount plan is a fairly simple concept. For a yearly membership fee, you pay a discounted rate for oral procedures. Plans can be offered to individuals, groups, and families. Depending on the type of dental plan you choose, the money you save on each service will vary. The savings on discount plans can range from 10-60%. There are certain dentists within your discount network, and as a plan member, you get discounted rates on their services. The fees will listed in your package you choose so you know exactly how much each procedure will cost. There are no hidden fees.
Traditional dental insurance has a monthly premium and is rarely offered to individuals. Sometime there will be an annual limit of how much coverage you can receive. Dental plans do not have any annual limits. The deductible is also a difference between traditional insurance and discount plans. With traditional insurance, you will have to pay a deductible first before benefits kick in. A discount plan does not have a deductible at all, but you will come out of pocket for whatever is not covered by your plan. With dental insurance, there may be a waiting period of 6 months to 2 years for approval for major work like a crown or dentures. Discount dental plans do not have a waiting period for approval of services.
Discount plans are generally much cheaper than traditional dental insurance premiums. If you do not foresee needing an extensive amount of work done, you may prefer paying a lower cost out of pocket occasionally instead of paying a huge monthly premium for services that you may only use for check-ups anyway.
In the end, it all depends on the type of coverage you think you will need and how much you can afford to pay. But you do want to get some kind of affordable dental plan coverage because oral health is vital to your overall health. Get to the dentist and stay healthy.
Research Writer, LowRateSearch
If you are the perfect dental plan candidate, you should go ahead and get your dental plan now so you can get to the dentist right away. Just plug in your zip code to find affordable dental plans that include a reputable network of dentists in your area. Once you choose your coverage, your benefits are available. There is no long and drawn out waiting period. Take care of your mouth without breaking the bank.