The best way to prevent costly dental treatment is by thoroughly taking care of your teeth. Sadly, many seniors in Miami, Fl. cannot afford to visit the dentist to get preventative treatment and restorative services due to the high cost and low benefits of dental insurance for seniors Miami. If you can afford dental insurance, you can sometimes decrease your dental care expenses and get proper care for your teeth.
Discount Dental Plans Save Up To 64% on Braces – 0% For Dental Insurance
In addition to dental insurance, discount dental plans can often provide more savings on all of your dental expenses than straight dental insurance. Discount dental plans usually have a network of dentists who have agreed to give members big discounts on dental services up front. There is usually no waiting period and pre-existing conditions are gladly accepted (except for orthodontic treatments in progress).
One major dental expense that is rarely covered by dental insurance is braces. Discount dental plans can save you up to 64% on braces for adults and children!
When you understand dental insurance and what it can do for you, you may be able to find a suitable policy that meets your needs. Numerous types of dental insurance are available to you, so knowing how each policy differs can make the decision-making process much more simple.
Think Seriously About a Discount Dental Plan in Miami
Also, make sure you investigate discount dental plans too. The term “dental insurance” can inspire confidence, lulling you into thinking that you’re covered for any dental situation. That may be true, up to a point. Dental insurance policies normally have strict limits on coverage – usually no more than $2,000 annually. While that may sound like a lot, consider that a root canal can cost about $1,200 with an additional $800 for a crown. With one procedure you have wiped out your entire annual benefit for medical reimbursement with a conventional dental insurance policy.
Not so with a discount dental plan/ With no limits on coverages, your discount dental plan is ready for more discounts on dental services long after dental insurance has been used up.
As with most types of insurance, dental insurance covers a portion of your dental care costs. The majority of dental insurance policies pay for the entire cost of routine preventative care. Examples include teeth cleaning, x-rays and exams. Your plan will pay a portion of the expenses for special procedures like fillings or root canals.
The majority of dental insurance companies in Miami, FL offer a network of dental care providers. If the dentist you choose belongs to your insurance’s network, you insurance provider will cover more of your treatment costs. If you seek care from an out-of-network dentist, your insurance policy pays for less of your treatment costs. Some insurance providers or policies will not pay any of your costs if you visit an out-of-network provider.
Discount dental plans offer a huge network of dental providers. To find a dentist, click HERE to search for dentists in Miami, FL.
Dental Insurance For Seniors Miami Is Limited
In most cases, an annual maximum is put upon a dental insurance plan. This means that your insurance provider will not pay more than a specific amount towards your dental care expenses. If you accrue any additional expenses, you are responsible for paying for them out of pocket. When you are looking for a dental insurance plan, make sure you find out what the maximum is for the policies you are considering.
Discount dental plans have no limits. In addition to greater annual savings than most dental insurance policies, discount dental plans have NO LIMITS on coverage. If you need $20,000 in dental work in one year, you will get big discounts on $20,000. If you have dental insurance, you will most likely get no more than $2,000 worth of coverage.
Discount Dental Plans Have No Deductible
Dental insurance policies, like the majority of insurances, have a deductible. You are held responsible for covering care costs up to the specific level determined by your deductible. After your dental expenses go over this amount, your insurance provider is responsible for paying their share of treatment expenses.
The majority of dental insurance policies have a provision regarding coinsurance. When a dental procedure is performed, your insurance company will pay a specific percentage of the treatment costs. You will pay the rest. For example, your policy may cover 90 percent of the expenses of an exam, and you must pay the remaining 10 percent. The precise percentage differs depending on the procedure that you get.
Dental care procedures are typically categorized into three separate classes. Your insurance provider will cover the most for common preventative treatments like teeth cleaning and x-rays. Dental fillings and similar minor procedures will be covered at a lesser rate. Lastly, major or specialized procedures are covered at a very low percentage.
Always get a financial estimate of a procedure before you receive any dental work. Your dentist will typically give you an accurate estimate of how much you will be responsible for paying and how much your provider will be responsible for paying. Some dentists may offer you a specific discount or be willing to set up a payment plan.
Dental insurance for seniors Miami can be a good investment for some, but severely limited benefits and a lengthy waiting period can be quite off-putting – and costly. This makes discount dental plans a significantly better option.
The way that the Ameriplan coverage works for seniors in Miami is that you will locate a dental provider in the list of participating dentists. You will note the fee of the participating dentists in your area, and you will see the fee after the Ameriplan discount, compared to the normal fee for that doctor. Using AmeriPlan can save from 30% to 70% on the cost of braces and other dental services and is definitely worth looking into when looking for the best dental insurance for seniors Miami.
Sign Up Below Or Call Us For More Information
You may also call us at 1-855-878-7774 if you have questions or concerns. Our service representatives will be happy to answer any of your questions and get your plan started right away. The AmeriPlan Dental program covers most common dental procedures, including exams, x-rays, fillings, cleanings, extractions, porcelain crowns, orthodontics or braces, bridges, root canals, periodontics, prosthodontics, and endodontics. The more you use it, the more you save with AmeriPlan Dental!
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.
Ameriplan Discount Dental plans and Discount Health Plans are not insurance.