Dental Health – Insurance vs. Discount Plans
Those days are long gone when people with decent jobs were offered medical or dental insurances as part of their employment package. This is not the case anymore; small businesses just cannot afford it. So when it comes down to your dental health, what should you decide: dental insurance or dental discount plan?
Dental insurance policies, nowadays, are too expensive for an average American to buy. They do not have the financial means to meet the requirements of the policies due to their very high premiums. Moreover, dental insurance does not cover any of your free existing condition. Like for instance, the automobile insurance, the insurers take a good look of your vehicle and mark any of the fault it may have so they cannot be tricked into covering for it. Similarly, dental cover plan only includes any issue that might result after the insurance has been bought. Moreover, the waiting period to get covered and your issue to be taken care of can take as long as six months to up to a year. In addition, dental plans are more maintenance oriented; the dentists may take care of your tooth cleaning and give you a fluoride treatment in order to save future complications which may cost even more money. This is also known as preventive maintenance.
However, discount dental plans portray a completely different side of the story. Discount dental plans provide you with discount, from up to 10 percent to 60 percent. All the doctors that are part of this plan are qualified to practice. Even your doctor might be part of one of the networks and you’re not even aware of it. The most interesting part is that you do not have to file any paper work, but you have to pay the doctor in cash. Discount dental plans cover any pre existing condition that you might have, whether it is a simple procedure such as cleaning or a complicated procedure such as dental implant. Also there is no waiting period; it’s almost like the ‘pay as you go’ service. Furthermore, dental plans are extremely affordable. They could be as low as $80 to $90 annually for an individual, or $150 to $160 for an entire family.
All the doctors that are part of the dental plan networks are qualified dentists. Even your dentist might be a part of the plan and you’re not even aware of it. Discount dental plans have made dental treatment affordable for the not-so-rich American citizen, so now you can all cast away your worries and enjoy these inexpensive plans. Just be sure to also check out what options are available to you by browsing online and seeing what plans are available for you in your area before making a decision you may regret later on.
If you’re stuck and need some help finding good information online try using GetFreeDental.com for finding information on local affordable or free dental care near you.