Are you on the look out for low cost dental insurance plans? Well, if your employer does not cover this, then there is a great place for you to get the low cost dental insurance plan that you are looking for.
You can just search the web and you'd be surprise because there are so many options available for you out there.
There are very basic plans and there are full coverage insurance plans. If you are specifically looking for low cost dental insurance plans, chances are you will find these.
But you have to ask yourself this question first. What exactly are you looking for in a low cost insurance plan? Well, the plan you choose should allow you to pick the dentist you would like to have a consultation with.
Some plans do not allow you that liberty. You are restricted to the directory of dentists that they have within their plan. It is very important to ask the insurance company if you have the freedom to choose because it is you who are visiting your dentist and it is your mouth that is being inspected.
It's only fair that you are comfortable when you are sitting on that dental chair, right?
Also, going back to the dentist on a frequent basis establishes rapport between you and your dentist. If you already have a dentist in mind, you can ask your dental insurance company if the low cost dental insurance plan are you thinking of signing up with allows you to visit your preferred dentist.
If yes, then you are lucky. If not, you can pay extra so that you can do so.
You should also decide on how you would approach your low cost insurance plans. Most plans require the dentists to follow the least expensive alternative treatment. However, with the low cost dental insurance plan, you still need to make sure that you are getting your money's worth.
You must discuss with your dentist about the options that are available for you regarding your condition. If the dentist requires a particular plan that can help you better with the operation on a financial aspect, then go for it.
But you should also remember that there are some procedures that you can still go with even if these are least expensive. You just have to make sure that the operation you opt for (because it is within your low cost dental insurance plan) will give you the results that you want.
Another issue you have to concern yourself with is whether you low cost dental insurance plan covers preventive, diagnostic, and emergency dental procedures. Find out to which extent is available for you. Common emergency dental procedures amount to $ 5000.
That would be such a price to pay just for not having dental insurance. You have to understand the policies of your plan and you also have to know how much will be covered by the insurance for each specific dental case.
What is a discount dental plan?
Discount dental plans are plans designed for individuals, families, and groups who are looking to get a deal and save money on their dental care needs. The dentists and dental care providers who are participating in these plans have agreed to accept a lower fee than they would otherwise charge from their members as payment in full for the services they perform. As a plan member you simply show your membership card when visiting a participating dentist to receive the discounted fees.
What is the difference between discount dental plans and insurance plans?
To be eligible for a dental insurance plan, you have to actually apply, be eligible and be approved for the insurance. Potential members with ongoing health problems may be denied insurance, or have such high premiums that the dental insurance is not worth the trouble. Moreover, dental insurance plans have annual limits as well as deductibles that may limit the benefits you can derive one from the insurance plan. Another advantage of a dental plan over dental insurance is that you are able to receive a discount for procedures that are not usually covered by dental insurance, such as teeth whitening.
How do discount dental plans for groups and businesses work?
Businesses can offer their employees many money-saving dental care options without offering insurance and the high overhead costs it entails. In this way employees can choose their plans that fit their individual needs and have no annual limits. Also since it is a plan and not an insurance there are no health restrictions and no paperwork hassles that come with insurances. Needless to say these type of plans provide employers with a cheaper alternative to group dental insurance with all the hassles that brings with it. Dental care plans are available to groups of all sizes, including retirees, part-time workers and employees uninsured defenders compared to insurance. Moreover both the employer and the employees can save substantial amounts of money by reducing payroll taxes since many dental care plans qualify under section 125 cafeteria plans of the Tax Code.
Why would dentists accept to participate in discount dental plans?
Dentists can reach more patients, retain them, and also reactivate them by using a discount dental plan. Their dental practice can offer a viable solution to those patients who are under-insured or those who have no dental insurance at all. Dentists can reach more patients by bringing in the new patients by inviting them to take advantage of the potential savings that are offered by such plans. Dentists can also retain their patients by offering a solution to them that would otherwise be unaffordable without a discount on their services. Moreover dentists can motivate elementary patients to sign up for new treatments or continue their treatment program by offering the significant savings through the plan. This would translate into increased revenue for the dentists because they receive payment directly from the patients rather than have to wait for the insurance company to pay them. They also avoid a lot of hassle and paperwork that dental insurance plans bring with them. Also they avoid the risk of the insurance company postponing payment or refusal to pay them.
How do I find a discount dental plan?
There are plenty of online companies to offer discount dental plans depending on your location within the United States. The first step is to find one of these companies. Usually you would be asked to enter your ZIP code so that the website can find participating plans and participating dentists in your area. Thus, you will then be shown a listing of all participating dental plans and dentists in your area from which you can choose you would be able to see the annual membership rates for an individual and family, and also the earliest activation date of the plan which is usually one or two days from the present day.
You will also be able to see the plan features and highlights as well as a sample plan savings for a variety of dental procedures. For example, you might find that a root canal treatment for a molar may cost $ 1100 without the dental plan, however you would receive a savings of more than $ 500 if you participate in the plan so that you end up being around $ 600.
Discounts usually vary between 30% and 60% for any given dental procedure. It's important to note that plan savings are based on geographical areas so that the fee schedules and savings will vary between two areas within a city, or between two states. Also, fees and discounts will vary between different providers within the same ZIP code. Once you sign up you will receive a welcome letter and your membership card as well as support and contact documentation.[Top]