If you do not get group dental benefits from your job, you might need to research private discount dental plans on your own. Many small companies do not offer group dental benefits.
Besides, retired people, small business owners, and contract workers might not be eligible for any type of employer based dental coverage. Lucky for you, there are several options for discount dental plans that you can purchase on your own.
Note: discount dental plans are NOT insurance or Medicare Prescription drug plans. Membership in these programs entitles you to discounts for certain medical & dental services and prescription drugs.
How To Find Discount Dental Plans In Colorado
One of the easiest ways to compare different dental plans is to use an online dental insurance quote form. These Internet based systems are usually pretty quick and simple to use. You simply enter in the basic details about people in your family that you need covered. In return, you will get a handful of good plans to compare.
You can also check out the benefits of discount dental plans HERE.
These quote systems are totally free to use. You might choose one of the plans, but you are not under any obligation to do so. Alternatively, you might use the contact information you will get to call or email the providers to learn more about the plans that are listed. This is a good way to ask questions about the details, make sure you understand how each plan works, and make the right choice.
Dental insurance Colorado can be very handy if you need some major work done. You should understand that some plans have deductibles and yearly limits though. Even if you have dental coverage, you might still have out-of-pocket costs.
Another option that you might consider are discount dental plans. While not insurance, these popular plans often offer more and better benefits than dental insurance.
If you need some major dental work done quickly, you should be aware that some of these plans also have waiting periods for large services. You might be able to get a checkup and a cavity filled right away, but you could have to wait for six to twelve months before you can get a crown covered. It is always better to purchase coverage before you need it. If your family lacks dental coverage, it is a good idea to shop for good plans as soon as possible.
Discount dental plans have no waiting periods, and they gladly accept all pre-existing conditions.
Few private dental plans cover cosmetic work either. They may exclude orthodontics or teeth whitening services. Plans that do cover cosmetic work tend to be pretty expensive. It is possible that you will get a discount on this type of work if your plan comes with a network of dental providers. You may be able to enjoy lower prices even if particular services are not covered by your plan.
Discount dental plans often offer great discounts for cosmetic procedures such as teeth whitening.
Similar to medical insurance, your dental insurance might be a network or indemnity plan. Network plans use a network of participating providers. These dental professionals agree to charge established fees for work they do. Indemnity plans do not use a network, but just provide a fixed amount of coverage for services.
The right choice really depends upon your preferences, location, and budget. Network plans might be cheaper and simpler to use. The dental office will be familiar with claims, network rules, and billing. If there are not any nearby network providers, you might be happier with an indemnity plan.
As we have mentioned above, a simpler and perhaps more cost effective option instead of dental insurance are discount dental plans. Discount dental plans are not insurance but they do offer very attractive discounts for many dental procedures, they have no waiting period and they welcome all pre-existing conditions.
Learn more about discount dental plans HERE.