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Why Discount Dental Plans Win Every Time

discount dental plan imageThese days, many people find themselves without dental insurance coverage because–let’s face it–it’s expensive. This is especially true for uninsured students,  millennials, and even freelancers who don’t have employer insurance benefits.

At the same time, putting off needed dental work can be even worse–not only for your wallet, but for your overall health. Fortunately, there’s an option that can help you save on your dental care without the need for a full-fledged insurance plan: discount dental plans.

What is a Discount Dental Plan?

A discount dental plan is a viable alternative to insurance. Specifically, these plans allow you to simply pay a monthly or annual fee for a membership. From there, you’ll instantly receive access to discounts on various dental services from participating dentist offices. These discounts can total anywhere from 10% to 60%, which means you could have a $1,000 procedure done for just $400.

Still not sold? Let’s explore some of the main benefits of having a dental discount plan.

Lower Costs

Simply put, you’ll save money. With discount dental plans costing as little as $10 per month, you can enjoy the financial peace of mind that comes with having a dental insurance plan–without the high cost. In addition to saving hundreds of dollars per month (compared to what you’d pay for a traditional insurance policy), you’ll also save on your dental procedures.

No Waiting Periods

Many dental insurance policies these days require a “waiting period” after your enrollment; during this waiting period, you cannot utilize your insurance benefits and must pay out-of-pocket. This isn’t the case with a dental discount plan. As soon as you purchase your plan, you can begin using it at participating dentists to save money.

No Insurance Paperwork

Another benefit of having a dental discount plan is that you won’t ever have to deal with complicated insurance forms ever again; since there’s no insurance company involved and no reimbursement, you can save yourself the hassle of filling out these tedious forms. Furthermore, you’ll never have to deal with being put on hold by your insurance company while trying to reach an agent to dispute a claim.

Elective Services Coverage

Many dental discount plans these days also include coverage for elective services, such as cosmetic dentistry (teeth whitening, veneers, contouring, etc.). This is a huge benefit for those wanting to improve the appearance of their smile without having to pay full-price. Traditional dental insurance, on the other hand, typically doesn’t include coverage for these elective services at all.

Wide Acceptance

Finally, if you’re worried that you won’t be able to find a dentist in your area that accepts your dental discount plan, relax. An increasing number of dentist’s offices these days have begun to accept these plans, especially as fewer and fewer hard-working Americans are able to afford their own dental insurance.

Even if your current dentist doesn’t accept discount dental plans, you shouldn’t have a hard time finding a reputable dental clinic in your area that does; all it takes is a bit of research and a willingness to switch to a new dentist.

If you’ve been struggling to find a dental insurance policy that works with your needs and budget, now is a good time to consider a dental discount plan; your wallet and your teeth will thank you!

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How Much Is The Average Dental Insurance Plan?

How Much Is The Average Dental Insurance PlanDo you have dental insurance? Chances are that according to the NADP and Delta Dental Plans Association, you may be one of the 4 out of 10 people who do not currently have coverage. Having dental coverage is the ultimate preventative measure to finding yourself with an emergency visit and expensive bills. Covering a wide range of services, dental insurance is designed to get you in and cover problems before they go out of control. Before reading forward make sure you know the difference between a dental insurance plan and a discount dental plan.

One of the greatest roadblocks for people who do not have dental insurance covered by their employment is cost. Most people stick with covering basic health insurance if they can, which often does not include a dental insurance plan. So, lets take a moment to dispel and myths and rumors by taking a hard look at the average dental insurance plan price.

The Structure of Dental Insurance Costs

The majority of dental insurance plans will have a sliding coverage structure built into the plan. This is known as the 100-80-60 plan. What this means is that 100% of your routine dental visits will be covered. These are the twice a year checkups that you will have as part of your plan. The next number 80, refers to the 80% of coverage you will have for fillings, root canals, and other procedures that can be considered basic. The last number refers to the 50% coverage you will receive for major procedures, including bridges and crowns.

What Are The Average Annual Costs?

Are you seeking an individual policy or a policy through an employer or group? If you are looking for an individual policy provider, the be prepared to pay above average costs. The average cost per year for dental insurance is $360 a year. Now, if you have coverage through an employer or group, then you will have to pay less per year. For example, the average cost according to the NADP per year for this group is between $234 and $432. These constitute the majority of plans on the market.

Are There Any Additional Costs I should Consider?

Many dental insurance policy plans will include a maximum coverage. This is an important number to know incase something big happens and you are left with an expense that far over shadows what other parts of your plan might cover. A number of plans are capped at $1500. Check with your plan to make sure you know this number prior to signing up.

 

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How do I know if I’m paying too much? Why dental consulting firms are worth their costs and can help you find discounted dental

How do I know if I'm paying too much? Why dental consulting firms are worth their costs and can help you find discounted dentalMedical insurance is a lot of money. The amount we pay on average to be healthy can quickly add up. For many responsible for paying the bills, a frequent question comes up, “Am I paying too much for dental insurance?”

Truth be told, you may in fact be paying too much for dental insurance. The trick is figuring out how you are paying to much, as well as why it is happening. With this knowledge, you can work to decrease the cost of your plan by switching providers. Lets take a moment to examine the average costs in the United States. In addition, we will look at how dental consulting firms can work with you to find the best possible price. When hundreds of dollars in annual policies as well as thousands of dollars in additional costs are on the line, now is the time to review your dental insurance plan and see if you are truly getting your money’s worth.

Average Annual Costs In The United States

The best way to figure out if you are paying to much is to ask your friends, workers, and family. See what other people are paying annually for their services, and compare that to the amount you are currently paying. In addition, take a moment to compare your costs with the national average.

According to the NADP, you should be being charged somewhere between $234 and $432 a year for dental insurance. This is assuming that you have a 100-80-60 plan. In addition, this assumes that you are receiving your insurance through an employer or a group.

If you are receiving your dental insurance through an individual policy, then you will probably pay a little more. For individual policies, the average cost for a plan is $360 a year for similar coverage.

Am I Paying To Much?

If your annual costs are above either of these two ranges, then you should strongly consider looking elsewhere for dental insurance. In addition, if you are at or near the top end of these ranges, then strongly consider looking for another plan if one is available. So, where should you look for help regarding finding a new plan?

The benefits Of A Dental Consulting Firm

A dental consulting firm works on your behalf to find you the most affordable plan available to you. Cycling through your needs and matching you with the best possible plan, a dental consulting firm can potentially save you hundreds of dollars a year and thousands in unplanned expenses if you required over the limit medical help.

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Best Individual Dental Insurance For Someone Who Doesn’t Need A Family Plan

Best Individual Dental Insurance For Someone Who Doesn’t Need A Family PlanAccording to the Delta Dental Plans Association and the NADP, fewer then 6 out of every 10 people in the United States have dental insurance. As a result, a large number of Americans are not getting necessary dental work done, leading to more emergency visits then there would otherwise normally be. Lets take a moment to look at dental insurance. In particular, lets take a look at individual dental insurance policies for people who do not require a family plan. As this constitutes a large number of those who currently do not have coverage, it is our hope that this group of people will find the following information helpful in securing a plan.

Are There Individual Dental Insurance Plan

Yes.

What Do Individual Dental Insurance Plans Cover?

Coverage will ultimately depend on the plan you have. That being said, there are some commonalities among dental insurance for individuals.Most people describe it as the 100-80-60 plan. This means that your plan will cover 100% of routine dental visits. These are the twice a year checkups that you will have as part of your plan. The 80% refers to the amount covered for fillings, root canals, and other procedures that can be considered basic. The 50% refers to the amount you will be covered for major procedures, including bridges and crowns.

If you have work that is beyond a major procedure in scope, then most plans come with a maximum coverage amount. An average maximum coverage amount is about $1,500. However, you should consult with your current or prospective plan to figure out exactly how much will be covered.

How Much Do These Individual Dental Insurance Plans Cost?

Individual dental insurance plans can range in cost depending on who your provider is. If you are getting dental insurance through employment and group policies, then you are looking at $234 and $432 according to the NADP. As this constitutes the vast number of individual dental insurance plans on the market, chances are you will fall into this category.

If you are seeking an individual policy, then the average price will be a little bit higher. Depending on what is currently available to you, your average individual policy will be $360 a year.

Should I Get Dental Insurance?

Many expensive operations can be addressed early on for little to no money if you have dental insurance. As a result, dental insurance can make a good fit but many individuals and families alike are finding out the benefits and cost savings of discount dental plans.