Discount Dental Plans or Dental Insurance - Which is Better?
Looking for dental coverage? Want to know if a discount dental plan or dental insurance would be best for your needs? Here are the answers.
Dental Insurance Plans
Dental insurance pays your dentist when you have dental procedures done. It usually pays for preventative care like cleanings and checkups, but only pays 50 to 80 percent of the cost of other dental procedures.
Deductibles - the amount you pay before your insurance pays for a procedure - vary from $50 to $150 per year. Most companies also have a yearly ceiling (the maximum amount they will pay per year) which varies from $750 to $2,000.
Average premiums for one person start at $150 a year and go up to $600 or more per year.
After you purchase dental insurance there is usually a waiting period before you can have services performed. It can be three months before you can receive preventive care such as cleanings and exams, twelve months before you can have a filling or tooth extraction, and twenty-four months before you can get a root canal, crown, or dentures. Most plans do not cover cosmetic dental procedures.
Discount Dental Plans
A discount dental plan gives you access to dentists in your area who have agreed to perform dental procedures a discount. These discounts vary from 10% to 60% depending on the type of work done.
Fees to join a discount dental plan start at $79.99 a year for a single person and $129.99 a year for a family. Most of these plans cover all dental procedures, including cosmetic dentistry, and are available to individuals, families, businesses, and groups.
Discount dental plans have no deductibles, no yearly ceilings, no waiting periods, and no health restrictions. You can sign up for a dental plan today, and get dental work done tomorrow.
Choosing a Discount Dental Plan
The best way to choose a discount dental plan is to go to a website where you can see all the dental plans that are available in your area, including fees and discounts, then choose the plan that's best for you. If you have questions, the better sites have a toll-free telephone number where you can get answers to your dental questions. (See link below.)
Visit http://www.LowerRateQuotes.com/dental-plans.html or click on the following link to view discount dental plans in your area from top-rated companies and see how much you can save. You can get more dental plan tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on discount dental plans.