Is There A Low Cost Dental Insurance Alternative?
Do a search on the internet for inexpensive or even low cost dental insurance, and you may be in for a surprise. If you’re currently employed, and your employer is financially able and generous enough to carry dental insurance where they pay about one half of the premium, consider yourself very fortunate. The bottom line is that traditional dental insurance is not cheap. Those who carry dental insurance as an individual or even under a family plan very seldom come out ahead where their dental costs exceed their premiums. Let’s face it, an insurance company is in business to make a profit and if they don’t charge more in premiums than they pay out in benefits, they won’t be around too long.
The only way that they can stay in business is to place certain restrictions and limitations in their dental insurance policies. Some of the more familiar ones are:
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a waiting period for certain procedures
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annual deductibles that can be substantial
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only pay a predetermined maximum for certain procedures
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limit the policy on maximum annual benefits
With their pre-existing condition exclusions, you may be required to wait for a year or longer before you qualify for major procedures such as crowns or dentures, and during this period, you are paying your full premium. Then after you have perhaps one major procedure, your benefits are stopped because you have reached their annual maximum benefit that they will pay, usually from $1,000.00 to $1,500.00.
Dental Discount Plans – The Low Cost Dental Insurance Alternative
We have to ask ourselves the question, “Is there a low cost dental insurance alternative?” The answer is a resounding YES, and it is a dental discount plan. These plans aren’t dental insurance, but are membership plans where participating dentists have agreed to accept discounted fees for their procedures. Some of these fees are significantly discounted saving the members considerable cost. This type of low cost dental insurance alternative is a benefit for the plan member and the dentist as well. The member receives discounted fees and the dental provider has a new source of patients with no advertising costs. Savings for the plan members can run from 10% to 60% making the plan very attractive.
We chose to be affiliated with DentalPlans.com, a well established nationwide firm founded in 1999. They administer over 30 different low cost dental insurance alternative plans with participating dentists that number well over 100,000. You only need to enter your zip code on their site and you will see the plans offered in your area plus the many dentists as well. This fine company offers quality dental care to individuals in every walk of life from the young child to senior adults. Plus they have plans available for businesses.
With the dental discount plans, there is no waiting period or concerns if you have a pre-existing condition that may not be covered. As soon as your application is processed, which may take one to three days, you can see your dentist and be assured that you will begin to receive discounted fees immediately. Depending on the plan you choose, your annual plan fee could be as low as 79.95 or up to 129.95, still way cheaper than dental insurance. As with a dental insurance policy, if you are not pleased with the dentist that you selected, you may select another immediately. No waiting period for this.
Click here for the best low cost dental insurance alternative, DentalPlans.com
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