Studies have proven that maintaining good oral health is an essential key toward achieving an all-over healthy lifestyle. By preventing dental problems through regular check-ups and correcting issues as they occur, you can help to protect one of the body’s most important organs. Unfortunately, most people are unaware of the side-effects that can come as a result of poor dental health. Even worse, most Americans do not have adequate dental coverage. Many major businesses have cut or eliminated dental health benefits to their employees over the years in an attempt to cut costs. If you are one of those people who has had their dental health plan cut or reduced, you are probably looking at new options for dental coverage and care. A lot of people get confused by the top two options available to Americans today, making it difficult to choose between standard dental insurance and discounted dental plans.
Dental insurance is not available for individuals and families. Is traditionally a coverage offered by employers to their employees who pay monthly premiums for fixed coverage. This kind of coverage has drawbacks – ceiling on spending, deductible or non-reimbursable issues, and waiting periods for certain kind of dental procedures, limitations and care or disease exclusions. This kind of coverage also involves submission of claims. Dental Insurance traditionally covers preventive dental services like cleaning and routine examinations at 100% after deductibles are adjusted (they may vary from $20-$50 annually per individual). However, the choice of the dentist is up to the individual and premium is about $30 a month for individuals and $100 a month for families.
There are also discounted dental plans available that will offer benefits to patients that choose a dentist from their coverage network that will provide services at discounted rates. These types of plans are also known as “reduced fee” or “affordable” dental plans. Discounted dental plans are very easy to join and do not require claim forms to be submitted. These plans act more like a club membership than an insurance program tand require a monthly fee, offering a set annual coverage rate for members.
Discounted rates are made available on a wide variety of dental services including routine cleanings and exams as well as fillings, root canals, extractions and even braces. Members who join these programs can save approximately 10-60% off the standard dental rates as long as they visit a network provider dentist within the group.
In certain situations, you may be able to maximize your savings by combining a discount dental plan with traditional dental insurance.
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