The Truth About US Discount Dental Insurance Plans
The benefit to using these types of discount plans is that they offer substantial discounts, in some cases as high as 60% off, on most routine dental care, such as cleaning, dentures, orthodontic braces and much more.
Here are some of the pro's and con's of US discount dental insurance plans.
Pro's
One of the good things about these types of plans is they don't have any age limit restrictions. This means that you can see a qualified participating dental provider no matter how old you are.
Another benefit is that pre-existing conditions are included. Dental insurance policies won't cover any condition that already existed at the time you were issued the plan. That means that if your whole reason for buying insurance was to get your teeth fixed that you're in for a rude awakening because it won't happen. You can get a discount medications online at a participating dentist as soon as you have your discount card in hand.
Although the cost of joining a discount dental insurance plan and getting insurance is close to the same, a discount plan does not require you to pay co-pays each time you visit the dentist. Also, there are no annual limits with discounted plans as there are with most types of insurance.
Cons
If you have a major accident, such as falling off a bicycle, falling out of a tree, falling down and breaking your teeth, etc, then dental insurance would cover most of the costs of fixing your teeth, whereas a discount plan would only offer the discount.
Although there are well over 100,000 providers that accept discount plans in the USA, there are still many areas where service is very limited and you may be forced to travel an hour or more to see a participating dentist.
You may not be able to continue seeing your current dentist, if you have one. You could ask that they become a discount plan provider and then see them, but if they refuse then you'll have no choice but to find a new dentist within the network of the discount plan.
So are us discount dental health plans a better deal than traditional dental insurance? This depends on your personal needs and the immediate care needs of whoever is going to be included in the plan. It would be best for everyone if they could carry both plans, but that's not feasible for everyone to do since there are costs involved. Your best option is to get as much information as possible about these two plans, evaluate your urgent dental care needs and make an informed decision afterword.
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There are alot of factors when determining what insurance is best for you.
As the saying goes, you get what you pay for. The higher the premium (the amount you pay the insurance company), the higher the benefits, usually.
The dental insurance industry, like the health insurance industry needs a revamping. People are fooled into signing up for insurance plans, only to find that their copays/deductibles are outrageous, or that many of the procedures they need are not covered. I often correct our patients when they say " we get 2 free cleanings a year". They are not free! YOU are paying for them. Most insurance companies pay out a maximum of $1000 per year. So if you need alot of dental work, anything over and above that $1000 is coming out of your pocket, in addition to the premium of a few hundred dollars you pay to the insurance company and any deductible and copays you take care of in the office.
Most individual plans stink. They sell you a cheap policy where you end up paying quite a bit as copays. The only real worthwhile plans are offered to employees of big companies.
You really need to evaulate your needs. If you have a relatively healthy mouth and only require 2 cleanings a year and maybe one cavity, that might run you a total of about $400 (where I am anyway) a year. Most pay more than that in premiums a year. So at the very least, you break even, if not save money.
Hello what you are looking for is a dental and health benefits provider that allows you to get paid daily to sell plans to people. You would be an Independent Business Owner. You can get more information at the link that is posted below.
For health insurance or life?
Most health insurance providers are obligated to provide for pre-existing conditions upon the enrollment date.