Routine care is certainly important for healthy teeth, but
trips to the dentist can prove to be very expensive without the appropriate
coverage. Many individuals are unable to afford expensive dental insurance
policies and the simple fact of the matter is that most insurers impose an
incredible number of restrictions on their programs. Before simply deciding
that cheap dental coverage is impossible to obtain, consumers need to learn a
little bit more about cheap dental plans and how they differ from traditional
dental insurance.
Rather than an insurance company paying for a portion of the
dentist bill, a cheap full coverage dental insurance plan simply entitles the
holder to a predetermined discount that a particular provider has agreed to
offer. Many dentists are more apt to accept dental discount plans rather than
insurance due to the fact that there are no lengthy claim forms or processes
required. Simply being a member allows a consumer to obtain the dental care
that they need without paying an arm and a leg for it.
Although traditional dental insurance can be very costly,
the majority of the discount plans are quite affordable at a fraction of the
cost. A membership fee is often all that is required and significant savings
can be obtained by paying either quarterly or annually rather than every single
month. Most major dental insurance policies have expensive monthly premiums and
only cover a portion of allowed costs, but the discount plans require about the
same amount of patient contribution without the expensive monthly fees.
Traditional insurance policies are very strict in what they
will and won’t cover and many individuals are surprised to discover that their
policy will not allow them to have most major procedures until a waiting period
has passed. Discount plans not only have no waiting periods, but there also are
no annual limits or specific restrictions. Some dental coverage options even
include savings on orthodontic procedures and cosmetic services that are
considered to be completely optional. Even major procedures and elective
services such as dentures can be covered immediately by discount plans.
Good oral hygiene is necessary for an individual’s overall
health and trips to the dentist are an important component of a treatment plan.
Without having some type of dental coverage (even just a secondary plan), the
costs can be nothing short of overwhelming. However, consumers can rest assured
knowing that it is possible to find discount programs that will help make care much
more affordable.
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