Routine care is certainly important for healthy teeth, but trips to the dentist can prove to be very expensive without the appropriate coverage. Many individuals are unable to afford expensive dental insurance policies and the simple fact of the matter is that most insurers impose an incredible number of restrictions on their programs. Before simply deciding that cheap dental coverage is impossible to obtain, consumers need to learn a little bit more about cheap dental plans and how they differ from traditional dental insurance.
Rather than an insurance company paying for a portion of the dentist bill, a cheap full coverage dental insurance plan simply entitles the holder to a predetermined discount that a particular provider has agreed to offer. Many dentists are more apt to accept dental discount plans rather than insurance due to the fact that there are no lengthy claim forms or processes required. Simply being a member allows a consumer to obtain the dental care that they need without paying an arm and a leg for it.
Although traditional dental insurance can be very costly, the majority of the discount plans are quite affordable at a fraction of the cost. A membership fee is often all that is required and significant savings can be obtained by paying either quarterly or annually rather than every single month. Most major dental insurance policies have expensive monthly premiums and only cover a portion of allowed costs, but the discount plans require about the same amount of patient contribution without the expensive monthly fees.
Traditional insurance policies are very strict in what they will and won’t cover and many individuals are surprised to discover that their policy will not allow them to have most major procedures until a waiting period has passed. Discount plans not only have no waiting periods, but there also are no annual limits or specific restrictions. Some dental coverage options even include savings on orthodontic procedures and cosmetic services that are considered to be completely optional. Even major procedures and elective services such as dentures can be covered immediately by discount plans.
Good oral hygiene is necessary for an individual’s overall health and trips to the dentist are an important component of a treatment plan. Without having some type of dental coverage (even just a secondary plan), the costs can be nothing short of overwhelming. However, consumers can rest assured knowing that it is possible to find discount programs that will help make care much more affordable.
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