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.
There is a lot of emphasis on a pretty smile as it is one of the easiest ways to spread happiness around you. Just try smiling when you are feeling low and you would be surprised at how light you begin to feel. Unfortunately, not all of us have lovely smiles as we are often trying to hide our unsightly teeth. But it does not have to be like this as there are several ways and means nowdays to give an almost perfect smile to anyone.
IMPORTANCE OF DENTAL CARE
Dental care plays an important part in maintaining the health of our teeth. Keeping the higher high costs of dental treatments in mind, it makes sense to take good care of our teeth ourselves. But sometimes there are factors that are beyond our control such as crooked teeth, discoloring due to certain medicines, teeth damaged in an accident and many others. Often we get conflicting advice about the best way to take care of our teeth and end up doing more damage. For example we are told to brush our teeth after every meal but some say brushing your teeth more than twice a day is not necessary. There is also a school of thought that says that we should not brush our teeth immediately after a meal. This is because the acidic content of our food gets pushed under the enamel causing more harm. So what we really need is a balanced attitude and not to become overzealous.
OUR TEETH AND GENERAL HEALTH
We often associate dental care only with pearly white teeth which are perfectly aligned. One thing that is often overlooked is that the state of our teeth and gums often affects our general health. In fact, they are considered to be an indication of our health in some cases. Frequently poor dental health may not be just a result of careless dental hygiene. It could also be because one may be suffering from diabetes, low immunity or HIV. Moreover it could lead to infections in other parts of the body as a cut in your gums could let the bacteria enter your blood stream. It is also said that poor dental care may also be one of the reasons for diseases of the heart. So, if you are suffering from any dental problems have it checked as soon as possible to rule out any complications.
Professional dental care includes a wide range of services right from simply cleaning up to whitening, straightening crooked teeth, placing in implants in place of broken teeth, teeth fillings, tooth extraction, to mention just a few. In some cases it might just be easier to use dental veneers to cover crooked teeth. But before you decide upon costly dental procedures do a little bit of research and you would be surprised at how reasonably priced dental care can be. Usually we avoid a trip to the dentist till it becomes an emergency, preferring to suffer in silence. But do not let your teeth take away your smile; all you need is a little bit of care.