You will find many benefits to a dental plan once you have all the facts. One very important distinction is you are covered for any preexisting condition and there is no waiting period for coverage.
The first thing you need to know about dental plans is they are not dental insurance. The primary distinction is a dental plan provides you with more choices in the types of care that is covered by the policy. For instance, cosmetic procedures are not normally covered by most insurance companies but with a dental plan it is.
When you choose your coverage there are no exclusions for preexisting conditions or health restrictions as there is with dental insurance. A good dental plan will help cover the cost of any preexisting condition. Dental insurance has a waiting period of 3 to 12 months before you can receive dental treatment, and preexisting conditions are not covered.
Another distinction is there are no limits on how many visits or services you need. You won’t find any age limits, no waiting period, and no paperwork. I know of one dental plan, as an added benefit, offers an immediate membership cardthat you can print right from their website. That feature would be extremely beneficial to someone with an emergency. You might be without insurance and find yourself facing an expensive emergency procedure. By signing up online and printing your membership card and choosing your dentist, your dental needs could be handled within hours instead of waiting a month to be eligible for coverage by your insurance policy.
Let’s take a look at the costs. With a dental plan you pay an annual membership fee starting somewhere around $80 to $100. The membership fee is determined by the type of coverage a member needs. Many plans offer 3 or 4 different levels of coverage. It is wise to print out the benefits schedule that should be included on their website, and compare the coverage’s before you purchase your plan.
With a dental plan, there are no deductibles; instead, you pay the participating dentist a deeply discounted fee for the service provided. When you compare the difference between paying a deductable and the percentage of the service not covered by the insurance company to the cost of the membership fee and deeply discounted fee the dentist offers, discount dental plans become quite attractive.
A dentist often chooses to participate in the plan because there is no paperwork involved as with dental insurance. The dentist does not have to wait for the insurance company to reimburse him or her for the work. Instead, the dentist is paid by the company administering the dental plan for being a member of the network.
There is no need to be concerned about the service. With most dental plans, if you find you are not happy with the dentist, you can call the member services department of your plan and request to change the dentist you had originally chosen.
You will receive the same quality service as someone paying full price for the work performed and you might be surprised at how many dentists are involved in the network, all within easy driving distance of your home or work. You can be assured that most companies are quite concerned about your quality of service and will do whatever is within reason to keep you as a happy member.
How You Can Save With a Dental Plan vs. Dental Insurance
With the recent need to cut back on many of our expenses, a vast majority of us are facing the struggle to keep our health insurance cost at a minimum. And for many of us, the added expense of dental insurance is something that is put on the back burner until it’s too late. Even if you have dental coverage with your current insurance policy, when it’s time to visit the dentist we find that the insurance policy does not cover everything we think it should. Have you ever tried to use your dental insurance when you
What Is The Best Dental Plan?
There are so many different kinds of dental plans, you may not know how to go about finding the right one-- or even how to be sure it is the right one once you have found it. The most important point to keep in mind is that the best dental plan is the one which is best for your own needs. As people's dental care needs do vary, it is important to find the one which is appropriate for your needs.
California Dental Insurance and Plans
If you have heard of California dental plans, you may wonder why this option is better than other dental plans. There are a number of reasons which you might like to know-- and can help you to select the plan that is the very best for you.
