Finding Affordable Dental Insurance
Affordable dental insurance is possible
Most of us don't like the idea of paying thousands of dollars for dental work, and if you put the right combination of dental plans together you may never have to worry about spending large amounts of money for dental care.
You need a simple, easy way to compare dental plans and insurance to help you make a wise decision.
I know that dental care is tough to pay for, and good insurance might seem impossible to find.
It doesn't have to be. Affordable dental insurance is possible, and here are some of the methods you can use to find it.
What Are Your Options?
There are a lot of different affordable dental insurance plans on the market, ranging from the cheapest insurance (which offers nearly no benefits) to the most expensive (which comes with full coverage). Most of us want the best of both worlds - to pay as little as we can while still getting a decent plan that won't leave us out in the cold.
There are several major types of dental plan, and each one is a little different.
Conventional dental insurance plans are a lot like your standard health plan. A weekly or monthly premium is paid and you'll get dental benefits for as much as a hundred percent of the cost. However, if you're not getting your insurance through your employer, fees can be high, and there are often a lot of limitations.
Group dental insurance is available for people who don't have conventional insurance through an employer, and the power of the group gives you the advantage of a better negotiation position and obtaining better deals.
The Sky is The Limit?
Every kind of conventional dental insurance is going to have a cap on the maximum amount paid. This can be a real problem if you need an emergency root canal and a crown (both usually in excess of a thousand dollars in cost) but your coverage only gives you fifteen hundred dollars all year.
The percentages that will be paid can vary, and some plans don't pay as much as they should for preventative treatment. Not all conventional insurance will cover your dentist, either, since many are part of HMOs. To cut costs, only network dentists are available.
Dental Reimbursement Plans
Dental reimbursement plans are another common employee benefit where the patient pays for the dental treatment and is then reimbursed up to a particular limit usually by the employer.
Generally, employees contribute into this kind of plan with pre-taxed dollars, lowering their taxable income. This money is set aside before salary tax is calculated, and can be used to pay for deductibles and other things not covered by conventional plans.
However, there's a limit on how much you can set aside, and you'll generally have to commit to spending a certain amount, as well as enrolling year by year. If you don't use the money, you forfeit it and your company has the right to keep it, so you have to be able to project the cost of your dental work that year.
That means that this kind of plan is best for people who expect a certain level of dental expenses, or who are planning to have major dental work done that they don't expect their existing dental insurance to cover fully.
Discounted dental plans
Discounted dental plans are much less expensive, and offer a unique method of treatment.
This is a type of plan where you pay a fee for program membership (something like a club or association) and receive treatment from dentists in the network at a reduced rate.
These can be combined with conventional plans or dental reimbursement plans to help create the fullest coverage.
The downside is that you have access only to network dentists (just like with an HMO), which may or may not be a problem, depending on the quality of the network.
Conclusions on Affordable Dental Insurance Options
Affordable dental health insurance is a real concern for just about everyone, since we all need to keep our teeth in top condition.
If you're smart and you use the best dental health plans in the right combination (as well as shopping around), you'll get the maximum benefits out of your dental insurance without paying too much.
Every situation is different, so you'll need to use care and pay close attention.
Anyway, some good dental health insurance plans to choose from could be right around the corner.
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