Tag: Individual

Is Individual Dental Insurance Your Best Option or is a Dental Discount Plan? Let’s Find Out

Is individual dental insurance really your best option or would a dental discount plan make more sense? Well, there a few things that you need to determine before you spend your hard earned money on either one. Let’s take a look at both dental insurance and discount dental plans and weigh the “pro’s and con’s” of both real quick.

Dental insurance for individuals can cost all the way up to fifty dollars per month, depending on where you buy your policy,and the benefits that are included. Here are some things that you need to look at in dental insurance policies before you buy.

Does the insurance coverage pay for pre-existing conditions or if there is a waiting period of six months or a year? A “pre-existing” condition is a condition that you had at the time that you purchase the dental insurance policy. For example, you have an obvious cavity that needs to be filled. In this case, your insurance would not pay anything and you would be forced to pay 100% out of pocket.

Other questions would be “how long do I have to wait before I receive full coverage?” “Is there a deductible and if so, how much?” “Does the dentist bill you for the procedures or do I have to pay him and then wait for you to reimburse me the money?” “Do you provide 100% coverage on anything and if so, when?”

Individual dental insurance is not necessarily a bad thing if you have the benefit of getting it through your employer’s group dental plan. Many of these plans will provide more thorough coverage than the average insurance policy purchased through a private agent.

Discount dental plans are less expensive than dental insurance and may be your best option for individual benefits. These discount plans are not insurance, but a network of dentists that have set up a discount fee scale for you becoming a member. This has advantages for both you and the dentist. They get paid money on the spot for their services rendered. They don’t have any insurance companies to bill and no waiting up to forty five days in order to get their money back, if at all. There have been cases where dentists didn’t get paid because they found out “after the fact” that the procedure performed wasn’t covered by the insurance provider. This isn’t an everyday occurrence, but it makes cash for a discount that much more appealing.

The one drawback to the discount plans is that you must pay for the procedures at the time of the visit to the dentist. However, dental insurance is very similar because of the lack of coverage it provides. Also, even if the procedure was covered by the individual dental insurance plan, you would still be responsible for the higher premiums and the deductible.

Dental discount plans include benefits for pre-existing conditions and there are no age limits or exclusions. Some of the plans even provide discounts for cosmetic dentistry, which is normally extremely expensive.

So should you buy an individual dental discount plan or an individual dental insurance plan? The choice is up to you.



Source by Joe Stewart

Individual Dental Insurance Plan – Supplemental Dental Insurance For Military Men

If you are in the military, your insurance will cover dental care. This coverage will be assured during the time when you are still in active service. For some in active service, that may be in real need of excess dental care for their family members, a supplemental dental insurance coverage can be made. Actually, this is not a common occurrence among most military personnel as the coverage they get to cover the cost of their family's dental care are usually more than enough to cover their family needs

Retirement from the military will make you to reconsider getting a supplemental dental insurance coverage for your family. This is most especially true to some military men who retired with teenage sons and daughters. Since retirement in the military service is a little bit early as compared to other branches of the government, it would be necessary that a supplementary insurance for dental care of your family will have to be made.

And if you are one of those who have decided to leave the military early for civil life, you would have to reexamine your insurance coverage and consider all the possible needs that your family might have in the near future. An example will be if there is a need for the teeth of your son or daughter to be subordinated to a growth correction with the use of dental braces.

As you will know, dental braces are now quite expensive, away from the dental service that goes with it. This is more particularly true now, since there seems to be a fad among the youngger generation to have dental braces. Because of these growing demands for dental braces, the cost and service in the installation of these braces have skyrocketed that without the required insurance coverage, you will be hard put to pay for them.

In looking for supplementary dental insurance outside of the military service, you have to be careful because of the proliferation of many insurance scams that are going on today. To be sure, do not insure yourself through agents. Visit an insurance company near your place if any, and ask them if they have supplementary dental insurance offerings.

If you want you can first visit the websites of insurance companies and look for supplementary dental insurance offers. You can find complete listings of supplementary insurance offerings in most sites of insurance companies, complete with price listings and the amount of dental service covered.

If you are looking for dental brace coverage, there are sites that you can go into that offer insurance for dental braces which might be able to suit your needs. Once you find what you are looking for you can then visit their office and personally inquire from them regarding the offer in their website.

More importantly, before you sign on for a policy with the insurance company, try to read first the content of the policy. Study the words of the policy and if there are words or phrases you do not fully understand, you can then ask the officer in charge for an explanation. This is important because you have to know up to what extent will be the coverage. Once you fully understand all the content you can then proceed in applying for the supplementary dental insurance coverage.



Source by Jane A. Smith

[Top]