Should You Purchase Dental Insurance Or An Individual Dental Plan?

A Fact: Seventy-five percent of Americans do not have any type of individual dental plan coverage. For those who haven't been paying attention, procedures are getting more expensive everyday. If you are in a position to purchase any type of discount dental plan, or insurance you will be money ahead to cover rising dental costs.

Having dental insurance is the best scenario, period. Mainly, it covers many of your costs based on a fee schedule, usually excluding cosmetic procedures. For example, if a dental cleaning is $100.00, the insurance company may pay anywhere from seventy to one hundred percent of the cleaning bill.

Another example, if you or a member of your family needed a crown and the cost was $1000.00, the insurance may pick up fifty percent of the cost. However, most people are not in a position to have insurance. Mainly, because it is usually only offered through an individual's place of work, or if available through some other source, and the cost is usually prohibitive.

On the other hand, what is called a dental discount plan is readily available to anyone. And, the best part is; it's very easy on the pocketbook.

A quality discount plan works just about the opposite of insurance. Dentists that participate in any given plan offer discounts on procedures. A good comparison is; that very similar to Costco or Sam's Club. You purchase a membership card and that entitles you to buy products or services at discounted prices.

An example, the normal cost of a crown maybe $1000.00, a participating dentist of a discount plan may agree to a 20 percent discount. This would mean that you would save $200.00 on that procedure. In some cases, you can save up to sixty percent depending upon the procedure.

Another thing to consider is cosmetic dentistry; dental insurance usually doesn't cover it. If you are in the market for denture implants, braces, porcelain veneers, a discount plan may be a better bet.

Based on your financial situation, purchase the type of plan you can live with. Will it be dental insurance, or will it be a individual dental plan? In short, you don't have to be among the seventy-five percent that do not have any type of dental coverage.