From the category archives:

Dental Insurance

In recent years, an increasing trend towards the use of dental discount plans in place of insurance plans is starting to emerge.

Many people can be seen to switch to dental discount plans simply due to its attractiveness as a cheaper option in the context of the rising insurance costs, and the misconception that dental discount plans provide the same benefits of insurance. An informed decision for the switch is not as prevalent as it should be.

Medical Discount plans : A clarification

Even though a significant number of people now opt for dental discount plans instead of insurance, not many are aware of what exactly a discount plan entails.

A discount plan is a scheme that offers lower discounted prices for services obtained from providers that are members of the plan. This service is provided for a monthly fee. The discount levels can vary from widely from service to service, and from provider to provider.

Dental Discount plans : The advantages

Even with work place options, many people are finding it more and more difficult to afford the monthly insurance premiums. In such cases, there is a higher tendency to drop the dental insurance benefits rather than any other, as dental health is generally not considered a priority.

Unlike insurance, however, with a dental discount plan

  • there are fewer limits/ restrictions on the age, number of visits and the services available
  • pre-existing conditions are covered
  • there is more flexibility to change providers

Companies can offer or provide information about the discount plans to their employees without incurring any additional costs.

For such persons, a discount plan provides a much awaited low cost solution. Reputed companies have extensive networks of providers that that offer considerable discounts. They also offer package deals/ offers for the whole family to further ease the cost burden.

Dental Discount plans : The disadvantages

It should be kept in mind that a discount plan is, however, not insurance.

Therefore, with such a plan the medical bills still need to be paid by the patient. This may cause unnecessary hassle when requiring an urgent visit to the hospital.

Due to discount plans being a novel concept, there is a high prevalence of dishonest providers in the market as well. A person proposing to switch to a discount plan needs to be doubly cautious when selecting such a plan.

Misleading terms in advertisements such as “coverage” and “long term care” should be closely investigated to ensure their validity. A patient who is under the impression that such terms offer insurance will be greatly inconvenienced when the time arrives to pay for large medical bills.

Dental Discount plans : Yes or No

As can be seen discount plans have their benefits and risks.
The decision to use a dental discount plan instead of insurance is solely at the discretion of the patient depending on the value he expects for his money spent.

If a person is considering making the switch, what is most important is that a thorough understanding is obtained beforehand of how the plan works and the exact benefits and costs involved of that particular plan.

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Where to Find Inexpensive Dental Insurance

by admin on January 11, 2009

When you are looking for dental insurance, you will most likely want to find the most inexpensive policy possible. Of course, the most important part of the policy will be whether it has the right coverage for your dental needs. Also, you must consider your entire family when you are looking for the right coverage for you dental insurance policy. The dental policy that you find will have to cover your entire family and, at the same time, cost you only a reasonable amount. There are a couple of simple ways to find an inexpensive policy for your dental insurance coverage. Among the most common ones involved checking with your employer and searching on the internet.

Dental Coverage from Your Employer

Checking with your employer is one of the easiest ways to find inexpensive dental insurance. You will only have to sign up with your employer to get the coverage offered by the company that you work for.

If you are interested in this, the first thing that you should do is find out if the company that you work for offers dental insurance plans. There are some companies that will require you to work for a certain period of time before you are eligible to benefit from the coverage. If one is already available to you, go through the details of the policy to make sure that it comes with the coverage that you are looking for. You should know what your plan will offer you and what will not be covered. Do some research in the dental insurance plan offered by your employer so that you can avoid problems down the road.

An employer-based dental insurance plan will typically allow you to cover members of your family as well. These plans might even be available for those who work for the company on a part-time basis. If you are a part-time employer, find out if you will be able to pay the same premium that a full time employee will pay for the dental insurance coverage.

Online Dental Coverage Shopping

Typically, dental insurance will only cost you about two hundred dollars a year. There are many different dental insurance policies that you can get online. While some can still cost quite a lot, most of the dental insurance that you will find online will be a very inexpensive way to get the coverage that you and your family need. The internet is also the best way to find your insurance in a very efficient manner. It is relatively easy to find dental insurance online. All you have to do is conduct a search for dental insurance companies and you will be able to begin comparison shopping.

When you visit these sites, there will most likely be a form for you to complete. When you submit your data, you will be given quotes on the price that the dental insurance will cost you. Make sure that you pay attention to the fees that are charged for each type of service that you will receive at the dentist’s office. You will need all of this information to make the best decision when it comes to getting your dental insurance.

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The Price of Your Dental Insurance Plan

January 11, 2009

The price of dental insurance will depend of a number of factors. There are some that will only cost you a couple of dollars every month. Some of the cheapest ones, often referred to as low-cost dental insurance, can even cost as low as six dollars each month. Capitation dental insurance is a type of […]

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Pointers for Finding the Best Inexpensive Dental Insurance Policy

January 11, 2009

Different people have different thoughts on insurance policies. While some go for the cheapest one possible, others think that inexpensive dental insurance policies come with fewer benefits. When you get inexpensive dental insurance, it does not mean that you have to give up any of the coverage you need. All you need to do is […]

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How to Find the Right Dental Insurance Plan

January 11, 2009

There are a number of dental insurance plans for you to choose from and you might find it a bit difficult to determine which is the best one for you. It is important that you find a good plan so that you can visit the dentist regularly in order to avoid problems with your oral […]

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Getting the Best Dental Insurance Possible

January 11, 2009

Having an examination is always part of a dental visit. Your exam may be a typical one, where the dentist will simply take a look at your teeth, or something more complicated, which may involve x-rays and other equipment. After an oral examination, you may need to have a cavity filled, your teeth cleaned, or […]

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How to choose a Dental Plan

January 9, 2009

Most individuals today have some sort of dental coverage. There are plenty of companies and plans which might confuse an average person. The most important thing to remember while choosing a dental plan is your needs. You might have a wonderful dental plan but if it does not suit you, it’s worthless. Dental plans have […]

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Choosing Dental Plans Over Dental Insurance Policies

January 9, 2009

Before you make a decision on purchasing a dental insurance policy, you must be sure that you have gone through the details of the one you are considering. You would not make a financial investment without understanding what you will receive in exchange for your money. The same should be true for dental insurance. Make […]

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Dental Insurance

September 28, 2008

The rise of Dental Insurance Health insurance is a common practice in current times and many have reaped benefits in emergencies and other health conditions. But, a relatively new kind of health insurance has emerged which has demanded attention due to massive appeal and specificity to problems that health insurance does not cover. Although, it […]

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