Too many people neglect their dental care and put off a trip to the dentist for a number of different reasons. One of the biggest reasons is because of the cost involved. A lot of people don’t have any kind of dental coverage and paying for services 100% out of pocket is very expensive. In this article we’re going to discuss exactly what a discount dental plan is, what is covered, and how it can save you money.
Discount dental services are not insurance by definition. They’re more like a discount membership plan. You pay your monthly membership fees and you are given a card that you can present to your dentist for reduced rates on various services and procedures. These types of plans provide discounts on just about every conceivable service a dentist will offer from routine cleanings to root canals and some plans will even provide reduced rates for cosmetic procedures.
These types of plans can save you a substantial amount of money because they allow you to get discounts of up to 60% or more on the dental procedures you might need. Plans are available for less than $7 per month for an individual and less than $11 per month for families. This is substantially less than a typical insurance policy would cost. If you do happen to have dental insurance provided by your employer you may be able to use a discount membership along with your insurance for additional savings.
Dental memberships have a number of other advantages over a traditional insurance plan. There is no waiting period so once you sign up you can visit the dentist immediately. No one is denied acceptance into the plan so even if you have pre-existing conditions you can sign up, visit the dentist, and get the care you need at a reduced price. There are no complicated claims forms to fill out. One of the biggest benefits is that there are no coverage limits. Many insurance policies will have a limit of $1500 and if you require additional services after your insurance provider has paid out this sum they will not pay anymore and you would be responsible to pay for any additional services 100% out of pocket. This is not the case with discount dental service plans. With these types of memberships you can get the same reduced rates no matter how many procedures you need.
Dental care can be very expensive but it is also very important to make sure you don’t neglect your teeth. There are affordable options out there to people that do not have a benefits package through their employer that would pay for dental care. As you can see there are a lot of benefits to discount dental plans and if you need an affordable way to get your family proper dental care you may want to look into these types of memberships.