Low Cost Dental Care - Affordable Dental Insurance Alternative

Joining a discount dental plan has many benefits with the greatest of these being the significant savings on all your dentist visits. With a plan there is no need to sacrifice dental health since membership fees start from just $79.95 per year. With dozens of different plans and more than 100,000 participating dentists you are able to customize your plan to suit your needs or the needs of your family. There are even select plans that give you discounts on vision, hearing, prescription and cosmetic dentistry.

As you know, dentists are expensive and if you need treatment the cost of dental work can easily exceed the $1000-$1500 annual maximum which dental policies provide. This is not the case with a discount dental plan as there are no yearly limitations-which means you can continually enjoy your dental plan benefits throughout the year regardless of the cost of dental work. If you do have dental insurance then you can always use the benefits from the dental plan to experience further savings or discount the balance that exceeds the annual maximum of your dental insurance.

As well, unlike dental insurance, pre-existing health conditions do not hinder your ability to start enjoying dental plan discounts. A dental plan is the embodiment of convenience as they involve instant online registration, immediate activation(within 3 business days) and are devoid of paperwork hassles. After registering, you are able to access your account and can immediately print out your membership card. Once completed, the only thing left to do is to book your dentist appointment and present them your dental membership card for on-the-spot discounts.

With discount dental plans there is no need to compromise the dental health of your family as they provide an affordable alternative to dental insurance. Why not check out their online database to see what is available in your area.Your solution to obtaining low cost dental care is one convenient click away.

Why It's Important to Have Dental Insurance

Many employers often provide group dental insurance for their employees. Now, most people will opt out of dental coverage from their employee benefits or health insurance plan to save money. Let's face it, most of us don't go to the dentist often or think we practice good enough oral care to not need to. The fact is you will eventually need to visit the dentist and without insurance it can cost a pretty penny. This article is going to go over why it's important to have insurance coverage for dental care.

Proper oral hygiene is how you can prevent tooth decay and keep yourself out of the dentist office. However, even if you practice the strictest oral hygiene and avoid all sugary foods and drinks you'll eventually end up in the dentist office. While you think "Hey, I take great care of my teeth, so I don't need to worry about cavities" you might get a rude awakening when you accidentally trip or get into accident and chip or break tooth. While you've gone to great lengths to avoid the dentist with proper oral hygiene you can't avoid accidents that can break, dislodge or crack a tooth. In a situation where that happens you'll need to visit a dentist and let me tell you it's going to easily cost you $1,000 if you need to replace a tooth and get a dental implant; maybe that $15.00 a month dental insurance deduction from your paycheck might be worth it.

Don't let me lure you into a false hope either, just because you have dental insurance doesn't mean you won't have to ante up some money at the dentist office. There are 3 major types of dental insurance, PPO, HMO and discount plans. A PPO dental plan allows you to visit any dentist within your network, but you'll have a deductible and a maximum annual coverage amount. A HMO dental plan requires you to choose one dentist as your primary care dentist, but there is no deductible or maximum annual coverage amount; you do have to make co-pays for each service. A discount plan just simply gives you a discount of specific services depending on dental care required.

Dental Insurance

The dental care and treatment mentioned are very expensive now days but one cannot disregard the fact that we need this to take good care of out dental requirements and problems. A solution to this dilemma is to have a dental insurance that will cover the cost of your dental needs but it has to be reasonably priced and at the same time it has the benefits that you really need. Finding the perfect dental insurance for your needs and requirements is not easy thing to do. Decision will have to be based on careful evaluation of your needs and wide-range of research dental insurance plan.

The first step is to study and find out what might be your dental requirements. Are you the type of person who have big dental problems and will probably need to consult a dentist often than normal, or are you the kind who just needs check ups and maintenance from time to time. If you are on the first group then what you need is a comprehensive dental plan since, this kind of plan covers the entire cost of major dental treatments. Although, you have to bear in mind that a comprehensive dental plan would also command a higher premium rate. But on the other hand, if you do not really need more than the normal dental care you could opt for just a maintenance dental plan. It has much lower premium rates than the comprehensive dental plan. Always compare one dental insurance company from another in order to find the cheapest rate with the right dental care policy without having to sacrifice the services and benefits you would get in return.

There are different kinds of dental insurance plan being offered, the indemnity plan, self-insurance plan, closed panel plan, capitation plan, preferred provider organization, direct reimbursement plan, dental care service plan. Indemnity dental insurance plan is a fee for service plan and you are allowed to choose your own dentist. It has co-payment options and an annual limit on the coverage of dental spending and dental procedures Self-insurance plan has similarities to indemnity plan but the distinct difference is. You cannot choose your own dentist. Closed panel plan has limited used of facilities and the number of dentist available to you. Preferred Provider Organization is also limited to a group of dentists who are available to provide dental care at a lower cost.

Direct Reimbursement Plan allows the employer to directly reimburse their employees for dental care and services they received. Lastly, Dental Care Service Plan uses a group of dentist who forms a non-profit organization to provide dental care and services at fixed fees.

There are many options available to you that are suited to your needs and requirements. All you need to do is find the right one by asking people who are knowledgeable in this field, or searching in the internet. You can even ask the advice of you dentist. He might be able to give you some sound advice regarding dental insurance plan.