Discount dental plans are a good option for anyone who doesn’t have adequate dental coverage or is paying too much for dental insurance. These days high costs are forcing many employers to reduce the amount of dental coverage they offer their employees or stop offering it altogether.
Purchasing a dental insurance policy for your family on your own can be pricy, and many times even the best policies won’t cover all of your dental needs. Discount dental plans are an affordable alternative that allows you to still get dental coverage at a lower price than many policies.
How Discount Dental Plans Work
When you sign up with a dental discount plan, you will be given a card to present to the office staff every time you go in for a dental appointment. This card gives you discounts for dental procedures. The rate you get will depend on the dental plan you sign up with; many plans give you anywhere from twenty percent to seventy percent off regular cleanings. Ancillary work such as root canals and extractions are often offered at fifty percent off, while orthodontic work is usually offered at a lower discount of fifteen to twenty percent. Again, every discount plan is different, so it is important to compare discounted rates before buying.
A dental discount plan differs from an insurance plan in the way that the practitioner gets paid. When you carry dental insurance the dentist will bill the insurance provider for any services you receive; if there is any balance left over that the insurance will not pay, you will likely receive a bill in the mail. When you use a dental discount plan, the dentist discounts the services according to your plan and you are asked to pay the remaining balance due.
Advantages of Discount Dental Plans
There are several benefits to carrying a dental discount plan rather than dental insurance. These include:
- No deductibles
- No annual fee
- Very low cost per month
- Cosmetic surgery is also discounted
- Braces covered for children and adults
- No prior approvals necessary
- No need to file claims
- Pre-existing conditions welcomed
- Plan is available to use almost immediately
When trying to determine if dental discount plans are right for your family it is important to do your research. If you are without dental insurance at all or are paying a very high premium, such a plan is usually a good idea. If you don’t make frequent trips to the dentist and pay a low insurance premium, you may decide that the insurance is worth it. Either way, understanding how discount dental plans work will help you better decide if such a plan is worth it for you.
AmeriPlan discount health and dental plans are designed to save you money while providing the health and dental care you and your family needs. Get started now and you’ll be amazed at the level of medical and dental services and the low cost.