No one who is considering a dental insurance policy should start paying premiums without first clarifying exactly what dental procedures will be covered, what the deductibles will be, how long it will take for coverage to kick in after her she begins making premium payments; if there are annual or lifetime caps on coverage; and if pre-existing conditions will be covered.
No one should make a financial investment without having some idea of the return will be, and no one should buy dental insurance without knowing exactly what will and will not be covered. Far too many dental insurance plans require that the person paying for coverage must wait between six months and a year before they qualify for claim reimbursements. Far too many dental insurance plans tack on high deductibles and low annual or lifetime spending caps, and far too many dental insurance plans will not cover pre-existing conditions, which are often what drive people to need dental care in the first place.
If you think that dental insurance does not sound overly appealing, you should learn about the major differences between dental plans and dental insurance. While dental insurance policies have strict regulations regarding what procedures they will or will not cover, dental plans are designed by networks of participating dentists to offer both routine and advanced dental care procedures at significant discounts.
Dental plans allow their members to patronize any (or more than one) of the plan network's member dental professionals. Dental plans have no deductibles, no annual or lifetime caps, and no clauses excluding pre-existing conditions.
Another of the major differences between dental plans and dental insurance is that the cost of relating to a dental plan is a nominal monthly fee, and that in return for discounts of 50% or more on your dental care procedures, all your dental work must be paid for at the time you receive it.
The last major difference between dental plans and dental insurance is that, because you will have already paid for your dental services under the dental plan, either you nor your dentist will be faces with weeks or even months of waiting to find out if the dental insurance company intends to pay your claims. This is why dental plans are popular not only with consumers, but with the dentists who invented them.
The major differences between dental plans and dental insurance are lower monthly fees, no waiting, no deductibles, no spending caps, no exclusion of pre-existing conditions, and best of all, no more wondering if you will end up getting no return on your dental insurance investment because your claim was denied!
With the cost of basic commodities rising every day, people are having a difficult time budgeting the money for their basic needs, and this includes their dental care. This is why people are now turning to dental insurance so that they do not have to fret in case a major dental problem happens in the near future. But dental insurance is a bit on the expensive side and most of them offer limited coverage, and many of them do not even cover pre-existing dental conditions and cosmetic surgery which is needed by some people. These are the reasons why most people will not even bother getting dental insurance. Fortunately there is an alternative to expensive insurance, and that is discount dental plans.
Discount dental plans are now becoming the top selection of a lot of companies for their employees' use. With traditional dental insurance it often takes a while when processing applications, and when your applications do get approved the deductibles that they charge are more often than not too high. What's worse is that a lot of insurance companies force their policy holders to pay annual maximums regardless of their coverage needs, resulting to a lot of plan cancellations. These problems do not exist in discount plans. The great thing about discount plans you will get immediate discounts on dental services and on some selected products, no need to fill out a ton of paperwork that usually comes with traditional dental insurance. Discount plans do not require approval, and is activated in as fast as 1 or 2 days, meaning you can get the benefits faster. And another thing that makes discount plans even better is that they even if you have a pre-existing dental condition, you are still entitled to the discounts you want to avail of.
Although there is a disadvantage when you opt for discount plans, and that is your choice of scholars and clinics are very limited. Meaning, if you've always been visiting the same dentist for years, you may have to choose another if he is not on the list of enrolled doctors in your plan. You need to go to only those on your plan's list of dentists to avail of the discounts.
If you're thinking of getting discount dental plans, it is advised that you first understand the status of your dental health first. If your dentist says that it is advised for you to come and visit the clinic regularly due to a pre-existing dental condition then you must definitely get one. But on the other hand if you have unpredictable oral health and only need to go the clinic for routine checkup and maintenance, then you should find other plans.[Top]
Many people usually neglect issues related to dental care such as taking good care of their gums, teeth etc. Dental care also involves treatment and prevention of diseases of the teeth and gums apart from the repair and replacement of defective teeth.
Gone are those days when dental services used to be an expensive option. Let us have a look at a few tips on how to find affordable dental care services:
1. Start by simply inquiring about a good dental plan from your co-workers, friends and relatives. Ask questions such as whether emergency service is provided, how easy it is to get an appointment, how much it costs, the different types of dental services and so on. Also inquire about whether the atmosphere of the dental care facility is reassuring and relaxing, behavior of the staff especially towards children etc.
2. Dental services are also provided at local dental schools at affordable and competitive rates. Some of these schools might offer to check and clean your teeth for free of cost. It should not be a problem to find a list of such schools in and around your area through internet.
3. In case you are new to an area, try checking out the services of the dental specialist who provides his/her services to the local hospitals. You can also search for the best dental care facilities in your area online. You can also use your insurance company’s website to search for dentists who would accept your insurance cover.
Following are the two most popular dental plan options:
1. Dental Insurance:
One of the options for oral health care is dental insurance. Apart from a few dental insurance policies which might cost less than $10 on a monthly basis, most of the available options would be expensive. It is essential on your part to read the entire terms and conditions, excluded procedures and items, what the policy covers, the annual cost for both family and individual policies which ever applies to you.
Most of the people going for such policies do not know that pre-existing conditions are not covered by such policies. Even after the completion of 1 year, most companies pay progressively, such as covering 15% the 2nd year, 30% the 3rd year and so on. Thus, such kinds of dental insurance are usually not recommended by agents currently because of their lack of coverage and high cost.
2. Discount Dental Plans:
Pre-existing plans are not restricted in case of discounted dental care plans. Substantial discounts are offered by such plans on routine dental care like braces, dentures, root canals, X-rays, cleanings, check-ups and more. The membership fees of such dental care plans usually average around $150 for families and $100 for individuals annually. At the time of your appointment, you need to pay for your visit in full.
No permission of any sort is required in case you want to change your dentist. Within the network of the plan, you can visit any provider in any state. It is to be noted that large discount dental plan networks have providers in excess of over 0.1 million dental specialists and dentists worldwide.
You might be surprised to know that over 70% of the families residing in United States do not have any dental plan. Thus, it is important for you to realize that proper dental care is essential for the wellbeing of your entire body.[Top]
There are numerous dental insurances available from a variety of companies. Many companies can be found through insurance agents or online at carrier websites. You can even find sites that compare dental cover for you. By entering some basic information several carriers are notified about your interest and they contact you with quotes and details about the policies they have available. While finding dental coverage has gotten easier, the cost can still be expensive if you don’t choose plans carefully. Dental coverage is a necessity when it comes to maintaining your dental health, this makes choosing the right plan and the right company extremely important.
Just like health insurance, dental insurance can be available through an employer or purchased individually. For those who can’t get one of the various dental insurances, dental discount plans may be a good alternative. Some of the common plans you will find are dental ppo plans, group dental plans, individual plans, and discount dental programs. Each policy has set coverage amounts an limitations which must be considered when choosing the one for your needs.
Group dental, dental ppo, and individual dental plans are all dental insurances that provide a portion of coverage. Often basic treatment is covered up to 100% with other treatments being covered anywhere from 50% to 80%. Insurances have deductibles, co-pays, and annual limits that must considered. Choosing an insurance plan that offers little coverage and has high premiums may not be much benefit to someone who needs an affordable dental care option. Comparing each of the dental insurances to determine what deductible you can afford, what premium fits your monthly budget, and how much coverage they provide is key in getting the best plan. It may be necessary for you to sacrifice in one area of the plan to make it affordable for your monthly budget. For example, get a plan with slightly higher deductible or higher co-pays to allow for lower monthly premiums. If dental insurances are out of your budget or you aren’t eligible, discount dental plans may be an alternative for you.
Dental discount plans, unlike dental insurances, do not cover any of the expenses for dental care. These plans simply provide a discount on treatments through participating providers. This program is designed to allow anyone to join with an annual premium in exchange for discounts on treatment. The discounts can vary greatly from one plan to another and the same comparisons should made with discount plans as those made when choosing dental insurance. Discounts can range from 20% to 50% off of various types of procedures. Generally the higher the annual premium, the greater the discount. For someone who requires a lot of dental care, the greater discount may be worth paying higher premiums for. If you don’t frequently need dental visits, you may opt for a cheaper program.
No matter what option you choose or what kind of dental care you need, having some kind of dental insurance or discount plan will likely save you thousands in the long run. This will not only allow you and your family to have healthy teeth, but also be financially sound. The savings from one major emergency or procedure could easily cover the expense of the premiums you pay for dental insurance. This is why it is important for everyone to maintain some form of dental coverage.[Top]
Types of dental insurance plans for employees
A dental insurance is an insurance that will provide the person having dental insurance protection with required financial assistance for normal dental care and damage occurred to teeth from accidents, this can be under an individual or group insurance plan. Dental insurance was once a neglected area, but the awareness about the importance of dental insurance is increasing alarmingly. In the past dental insurance was treated only as a perquisite provided by the company to its employees, studies (Human Resource Management Survey-1999) show that 83% of the small business provides dental insurance to its employees.
It's advisable for every one to go for dental insurance. Dental insurance is more affordable and cheap when compared to other medical insurance. In fact dental insurance costs less than 10% of the cost of the medical coverage. Like every other type of insurance dental insurance also offers a number of plans that you can select from. The major types of dental insurance for employees are discussed below:
Direct reimbursements plan
This plan works on the amount that the company set aside specifically for this purpose. In this plan the employees are reimbursed the money that they have spent for dental care. The most positive aspect of this pan is that it is straight forward and not involved any complex calculations. This plan is highly recommended by American Dental Association. Direct reimbursements plan is considered as most expensive for the employers. Certain small business finds it difficult to go in tune with this plan because of the cost factor involved.
These plans are more feasible. Under this plan the amount of premium is paid to the insurance company and the company in turn pays the amount to the dentists for their treatment. Under this plan the insurance company generally uses UCR (usual, customary, and reasonable) for making payment to dentists. In case if the UCR rate used to pay dentists falls short of dentist's rate, the patient has to make up the shortfall. The insurance coverage under this plan is 100% for preventive measures like cleanings, 80% for basic work like a crown or cap, and 50% for major procedures like oral surgery.
Managed care plans
These plans are valued as the least expensive. These plans include some cost control measures and are best suited for small business. This plan wants the patients to pay a certain amount as co-payment and the co-payments vary according to the procedure. Preventive procedures are normally performed without a co-payment and advanced procedures are carried out with a higher co-payment.
The managed care programs are of two types, they are:
a. Preferred Provider Organization (PRO) Program
Preferred provider organization program consistors of a network of dentists. The dentists who fall under this plan have reduced their charges with a view to participate in this plan. The employees can select the dentist from this pool, if the employees have to go to a dentist not in this pool they have to pay penalties.
b. Dental Health Maintenance Organization (DHMO) Plan
In this plan also the employees have the right to choose the dentist from the pool, but in this plan instead of discounting the fees the dentists provide certain treatments free of cost. The dentists are paid a fixed amount as fees per individual even if the patient never ever receives the payment.
The above stated are the various plans of dental insurance provided by the employer to the employees. It is possible for the employees to select the best suited plan after analyzing the advantages and disadvantages of the available options. By selecting a proper http://www.dentalinsurancehelper.com "> dental insurance it is possible for the employees to insure the health and safety of their teeth.
dentalinsurancehelper.com is an easy and exact way to find the http://www.dentalinsurancehelper.com "> complete dental insurance for individual, family and group. of insurance for the right people.[Top]
Health insurance is something Everyone thinks about but what about Dental Insurance Plans? Many full-time employers provide health insurance at a significantly lower rate than an individual would pay on their own. Dental care is just as important as healthcare. Poor dental health can lead to many health problems such as cardiovascular disease, diabetes, osteoporosis, and Alzheimer's disease. For these reasons, it is important to consider Dental Insurance Plans or Dental Discount Plans when looking to save money.
When choosing a Dental Insurance Plans, you should decide who needs coverage. If you have children, you may choose to purchase dental plans for only them. Children have different dental needs than adults and those costs can easily skyrocket. Braces and other orthodontic procedures are common for teens and can easily empty your bank account if you do not have dental coverage.
Adults and kids require routine cleanings. Most Dental Insurance Plans and some Dental Discount Plans may cover the entire cost of such routine preventive care. This can save you several hundred dollars on cleanings alone for the entire family.
Finding affordable Dental Insurance Plans that cover all your dental needs can be challenging. If you purchase an insurance plan that is a PPO, remember to only visit providers that are "in-network." Paying out-of-network costs can be just as costly as having no insurance at all. Your insurance company will provide you with a list of approved in-network dentists. Dental Discount Plans do not require that you participate in a certain network and will provide a list of participating dentist for you.
A Dental Discount Plan could save you thousands of dollars per year on cleanings, x-rays and dental work. For example, root canals are not all that uncommon and are very expensive. Crowns and fillings can also become expensive when paying for the entire family, so even discount plans as small as 20 percent can make of significant savings.
As your dental needs change, you may need re-asses your coverage. For example, as a single person, a Dental Discount Plans may work great for you to cover your annual cleanings. However, as an older person with a family, you may need to research Dental Insurance Plans to find a better plan to accommodate your family family dental needs and save on the out-of-pocket expenses for routine dental visits.
The good news is that money spent on improving your dental health can also save you money in the long run on your overall healthcare costs.[Top]
Dental Insurance Plans of various types and levels of cover are available to Americans. This short article will help you understand the different types of dental care available to you. Let's try to understand each of these types so we can make better decisions when it comes to buying dental cover for us or our families.
Dental Insurance: Well, this is just like health insurance. You pay a premium – monthly or weekly and in return you receive dental benefits which can range anywhere between 80-100 percent of your dental cost. Usually dental insurance is provided by your employer. There are limits just like in health insurance – waiting periods, pre-existing dental conditions might not be covered and so on. Check with your employer or your insurance agent about the amount and amount of cover.
Dental Reimbursement Plans: Now, this is a plan that both employers and employees will approve of that is if the employers wish to provide some extra benefits for their employees without too many hassles. Under this scheme you go and get treated and then present the bills and your company reimburses you upto some prescribed agreed limit. This is not any dental insurance plan it is just a agreement of sorts between the employees and employer. This is a no hassle plan as you do not have to pay any monthly premiums and either does your company have to deal with insurance companies or all the paper work. There is no restriction on the dentists you should visit and so on. But the disadvantage is you can not get treated for dental problems that cost you more than the limit agreed for a year and if you exceed that you need to pay for it yourself.
Group Plans: If your company does not offer dental insurance or dental benefits than you can get together with other employees and ask your company to set up a voluntary dental insurance group plan. This allows you to bargain with the dental insurance company for group rates which are much lower than if you buy it yourself. Although this type of plans means you and your collections pay the premiums and fees for the dental insurance still you save quite a bit. Groups do have more bargaining power. The bigger your group the better for you. You could even bargain for some extra benefits.
Discount Dental Plans: Strictly speaking, dental discount plans are not actually dental insurance. A dental discount plan is quite affordable by paying a flat fee once a year, you become a member and gain access to all the dentists in the network. It's structured like a club, and members are able to visit any dentist within the network to receive treatment.
It's easy to find a dental discount plan under $ 15 per month that provides routine dental services for less than half the traditionally allocated fees – and often much less – for services provided by dentists within the network Discounted fees have been negotiated and established by the company administressing the network.
Paperwork for the patient is minimal and the patient receives the same type of service as someone paying full price. With these plans, there are no claim forms to submit, no arguments about pre-existing conditions, no deductibles to meet, no limits on the amount paid or the number of times the plan is used. In fact, patients are encouraged to get routine cleanings and examinations, which often occur more costly, major procedures.
One of the advantages to a dental discount plan is the savings over listed fees. For some dental procedures, such as bridgework, a root canal, or orthodontics, the savings may be substantive. The main disadvantage is that you must use a dentist within the network, and not all scholars are eager to participate.
However, the national companies have networks of thousands of dental service providers, and all must be certified as licensed dentists for the specific region where they practice before they are able to sign on to provide dentistry for patients in the network. This takes the worry out of finding a qualified provider when away from home – another advantage to the dental discount plan.
National network plans are a real bonus for those who travel around the country frequently. That means wherever in the US they happen to be, there will be a dentist available under the dental discount plan for emergencies, such as a cracked tooth, repair of a filling, or gum infection. This eliminates the fear of having to go blindly shopping for a dentist while in the middle of an emergency, and then wondering if that choice was a reasonable one.
Some people may even travel to an area to have dental work done if they know of a particularly good dentist or for a considerable financial savings. Depending upon location, fees for work performed under a dental discount plan will vary. Some areas of the country generally have more expensive health care costs, and in those regions you should expect to pay more. Participating dental offices will often post their fees, so that there are no financial surprises when receiving treatment. This is another reason why so many people have recently been enrolling in a dental discount plan.[Top]
Dental health and hygiene are necessary at every stage of life. Lack of dental hygienic can result in other serious medical conditions developing. If left untreated, it can hinder the body's ability to recover from other illnesses. This is especially important as one grows older. As dental check-ups and maintenance are expensive, it is best to opt for dental plans. There are a variety of affordable dental plans available today. Based on your needs, you can choose the best one. However, there are several factors that one should pay attention to before opting for dental plans.
Some plans only allow patients to visit specific dentists which will help them lower the dental costs. This could be a problem if the preferred dentist of a patient is not included in the list. Once a patient is familiar with the treatment style of a dentist, it can be disconcerting to switch to another doctor. It is best to verify whether the preferred dentist is on the list before opting for dental plans. It is also possible to pay more money in a dental plan to include that particular dentist.
Most often than not, treatment plans are not restricted by your plans. This is mainly to make sure that the costs do not increase beyond a certain limit. Before deciding on a specific plan for you, make sure that dentists are able to prescribe a course of treatment that is not only best cost-wise but also prevalent to the medical condition.
Most of them will have a fixed schedule of check-ups and consultations for a year. It is best to opt for dental plans that include a bi-annual dental cleaning which should not result in other costs. In some types of plans includes, fluoride treatments and x-rays as well. For other services such as fillings, orthodontic procedures, patients may have to cover 50% of the costs. Such plans could be more expensive. You can also opt for other affordable dental plans that include just a bi-annual cleaning service.
Certain options may allow you to visit the dentist at a particular time of the year. This could be a nuisance as you will have to attend to a schedule and wait for a specific time to discuss dental issues. When choosing one, make sure the scholars in question do not divide appointments on fixed dates in a year. If the dates are flexible, you can plan your activities so.
Dental plans, if chosen wisely, can be a relief as it not only helps to keep up hygiene but significantly reduces costs. Make sure you understand the treatment plan when you choose the dental insurance. It is best to clear all your doubts before opting for a plan as it can be a daunting process to switch to another.[Top]
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.[Top]
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]