Tips For Finding An Affordable Dental Plan

Are you having trouble finding an affordable dental plan? Join the crowd. You know, it seems that all the dental insurance companies want to do is collect their monthly premiums and then, when it comes time to pay for something substantial, spring the old "sorry, but you've got a twelve month waiting period before we can cover that condition" excuse. In other words, "no pre-existing conditions". Sorry about your luck.

I'm wondering what the point is of having it in the first place if they won't cover a "pre-existing" condition? Basicall, what I'm being told is to buy dental insurance in advance of having a problem. This way I'll have "some" coverage down the road when I need it. Hmmmmm. Let me do some quick math here. The average cost of dental insurance is around fifty dollars a month for an individual and one hundred for a family. Outrageous prices. So let's go ahead and do the math as an "individual" and cut them a bit of a break here.

Let's say that I have a toothache and need to have it pulled (extracted). The average cost for this is around $150.00-$200.00, depending on which part of the country that you live in. So basically I'm being told to wait twelve months and pay $600.00 in dental insurance premiums in order to have a procedure covered that only costs, at most, one third of that? Oh, by the way. The insurance doesn't cover the entire procedure. I still have to pay a twenty percent deductable before I could be seen. Gee, I'm happy. Talk about a crock!

So is there really such a thing as an affordable dental plan? Maybe, but I'm going to let you be the judge.

There is another option available, other than dental insurance, called dental discount plans. These plans have been hyped up quite a bit over the last few years as a great deal, but I decided to look into them for mysels so I could make an "educated" decision. This is what I've found.

Discount dental plans are, for one thing, affordable. Most plans cost less than $20.00 a month per family and even less for individual coverage. "Discount Plans" are exactly what they say they are, a discount plan, not insurance.

This is how dental discount plans work.

First, you join their plan. This enables you to see any dentist within their network. These dentists are as professional as any that you've ever seen in your life. As a matter of fact, YOUR dentist may already be a provider.

Discount plans simply offer you a much better price for each procedure, but the catch is that you must pay for the procedure at the time of your visit. No billing the insurance company, no deductibles, no age limits, no exclusions and pre-existing conditions are no problem. Dentists find that it's a good deal because they get paid cash on the spot instead of having to pay their accountant to bill the insurance company for their money and wait up to 45 days for payment.

Also, a network of several thousand dentists means buying power! They also take advantage of some great savings on equipment that they must have in order to operate their practice.

So there it is. Is this an affordable dental plan or do you think it's a scam of some kind? I'll let you be the judge of that.

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Do Dental Discount Plans Really Save You Money or is Dental Insurance The Way To Go? You can find out the advantages and disadvantages of both by going toDiscount-Dental.net or by clicking on Discounted Dental Plans Joe Stewart is a former Life And Health Insurance Agent that now works for himself by providing solid, expert information to consumers.

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