which one is the best one for dental coverage, buying a dental plan or dental insurance? Thanx for the input?
I’m a 58 year οld single man needing ѕοmе work done οn mу teeth, аnd I wаѕ wondering, whісh wουld deliver more bang (drilling) fοr mу buck, a dental рlаn οr dental insurance? Thanks a head οf time fοr уουr responses!
Let’s compare dental insurance vs discount dental plan.
With dental insurance you pay a monthly premium for which you receive dental work. The plan provider reimburses your dentist for part of the work, usually 50% to 80%, then you’re responsible for paying the rest.
Insurance plans usually have a set deductible and limits on the amount of services you can receive within a given year. There are also waiting periods of 3 to 12 months before you can receive dental treatment, and preexisting conditions are not covered.
Premiums for one person average out to $200 to $500 per year, and you can choose your own dentist.
With discount dental plans you have the option of paying monthly, quarterly, or annualyl for premiums. You can receive 10% to 80% discounts on all your dental work. There are no waiting periods before you can see a dentist or dental specialist, and preexisting conditions are covered. You can see a dentist within one to three days after joining a plan and get all the dental work you need. You can also change dentists if you prefer at any time.
Discount dental plans have no limits on the amount of work you can have done, and there are no deductibles. There are no form-filling and paperwork hassles like there are with dental insurance, and discount dental plans cover cosmetic dentistry which dental insurance doesn’t.
With these plans you can choose from over thirty nationwide networks, and more than 100,000 dentists and dental specialists. Premiums for one person are less a year than dental insurance.
Last year I needed two fillings, two root canals, and a number of crowns replaced. When I checked out dental insurance plans I found that none of the work I needed was covered. In addition, I would have to wait for six months before I could get any other work done, and the yearly premium was $420. I then took a look a discount dental plans. What a difference!
All of the work I needed was covered, I was able to see a dentist the same week I signed up for the plan, and my initial exam was free. Not only did I save more than $2,500, but I found a dentist who was virtually painless, and who took the time to explain every procedure.
If you need work now or in the future and want to save a lot of money on your dental work, discount dental plans are the way to go.
Click on the source below to get an idea of the discount plan that I use.
You can keep it as long as you want without committing to any contract.
Its different for everyone. One has immediate services and the other you have to wait months before it can be used. I would encourage you to visit this great site: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago and they have saved me thousands of dollars since on all services. From root canals, cleanings, xray..etc. They even had my extremely affordable plan active in 2 hours and was able to use them the very same day. Good luck and hope this helps.
healthplans.my-age.net – here is my health insurance plan. As I remember they can provide such a service.
Dental insurance varies, just like any insurance. It depends of the features of the plan. If you live in the United States, there are dentists in every city who will treat you for free. Look for your state and city, at the bottom of the page in Resources. Good luck!
http://www.ehow.com/how_4616815_free-dental-care.html