Discount Dental Plan
Discount Dental Plan
With the cost of medical insurance on the increase dental insurance is at the top of the casualty list when it comes to employee benefits.
Historically many employees didnÂ’t have to worry about dental insurance with employers being able to offer full dental insurance cover along side other popular employee benefits. However with health insurance continually on the increase dental insurance is generally one of the first benefits to bite the dust.
Luckily low cost dental discount plans are now widely available and are proving to be a completely affordable alternative to dental insurance.
Unlike dental insurance, dental plans provide plan holders with low cost dental care for all dental work, including cosmetic procedures although, for non routine care, the level of discount will generally be reduced.
There are now many plans available and, as with dental insurance, the benefits will vary according to the price you are willing to pay. DentalPlans.com is becoming a popular choice of dental plan provider and offers consumers a choice between 30 different national and regional plans with up to 60% discount on routine dental care.
Dental plans are not a dental insurance but rather a service by which, for a fixed monthly fee, members will receive deep discounts for all dental care from routine dental work to more complex dental procedures.
The benefits of dental plans over dental insurance are that:
• There are no deductibles, you receive a discount on all work received.
• The monthly premiums for dental plans tend to be significantly less than dental insurance premiums.
• If you move house you will generally be able to just switch to another participating dentist.
• Unlike dental insurance, there doesn’t tend to be any limit to the amount you can use your dental plan in any given period of time. You will continue to receive a discount no matter how many dental visits you make.
• You can make use of a dental care plan as soon as you receive your card. Dental plans are not dental insurance and there is no waiting period.
• With dental plans there are no exclusions for pre-existing conditions.
For more on dental insurance visit 1st-4-teeth.com
What’s the difference between a dental discount plan and dental insurance?
A dental discount plan is a pre-determided amount that the dentist has to charge for each procedure, say like, $50.00 for a cleaning of your teeth. They have a contract with the discount plan, and cannot go above what is stated in the plan for certain things. Dental insurance is just that, insurance that must cover, to a certain extent, any work that you have done. Usually, dental insurance is the better option, because they do not limit what you can have done or how much the dentist can charge. You also get better coverage with the dental insurance. With dental insurance, you usually get cleanings and x-rays for free, fillings and root canals for 80%, and crowns and veneers for 50% coverage. Plus, you can see the dentist you want, not who they tell you whom you must see.
