Low Cost Dental Plans Are Very Much Within Your Reach
March 27, 2015
Do you feel like affordable dental coverage is out of your reach? The truth is, low cost dental plans are available for virtually everyone!
So where do you begin? With the basics, of course!
Insurance for dental expenses comes in two general forms. First, there is the more traditional route -- or, the dental coverage plans that are purchased from insurance companies. These plans come in a variety of forms, including a fee-for-service plan (also known as indemnity dental insurance) or other PPO plans, where reduced fees are offered by a network of insurance company approved providers.
Typically, dental insurance plans include an annual deductible that must be applied prior to an initiation of benefits. Once the deductible is met, services are either reimbursed -- sometimes up to 100% -- or reduced far below customary rates.
There are specific benefits associated with all of the conventional dental coverage insurance plans. While the more traditional indemnity plans provide you with the freedom to visit any dentist of your choice, the PPO plans often offer lower deductibles in addition to reduced rates. And while PPO plans do not offer complete freedom of choice on your provider selections, most offer a large variety of dentists.
But dental coverage plans come in other forms -- some of which are not associated with insurance companies at all. Certainly an important objective is monthly costs.
Like so many others, if your monthly budget is on the line, you might be inclined to join a network where you pay network dentists directly at a reduced rate.
That's where dental discount plans come in!
Low cost dental discount plans offer a very attractive cost alternative. In exchange for set membership fees, members can visit any dentist in the network at a deeply discounted price. Fees are paid directly to the dentist. While they're not considered to be traditional "insurance", these plans offer a wide variety of treatment options. In fact, some offer cosmetic dental services - a benefit not ordinarily associated with the more traditional insurance plans.
These low cost dental plans can offer savings substantial discounts off of standard rates. And, in addition, pre-existing conditions -- which can be excluded from some of the more traditional plans -- are not a factor in dental discount plans.
Another great way to maximize your insurance for dental expenses is to consider a family dental insurance plan. While the monthly fees might exceed an individual dental plan, the actual costs are considerably less than purchasing separate plans for family members. And family dental insurance plans are available as insurance backed plans or as discount dental plans.