Maintaining your oral health is essential to a healthy lifestyle. Most people want to make the commitment to improve their oral health, but have a hard time choosing between traditional dental insurance and a dental discount program.
Therefore it’s important to understand how the differences between dental insurance and dental discount programs can affect you.
Dental insurance policies can be typically characterized by monthly premiums, deductibles and annual maximums while dental discount programs are designed to be as accessible as possible; they do not share any of the characteristics of dental insurance.
The monthly premiums for typical dental insurance policies may be as much as $50 a month for individuals and in excess of $100 per month for family plans.
As an alternative, dental discount programs are far less expensive. Dental discount programs start as low as $6.95 per month for individuals, $11.95 per month for couples and $15.95 per month for families. In addition dentist near me, if you shop around you can find dental discount plans that include free vision care.
Usually, people using dental insurance must meet a deductible before their dental insurance starts to cover their dental care; when making comparisons it’s therefore important to consider the cost of the deductible as one of the overall costs associated with dental insurance.
Annual deductibles typically vary from $50 to $100 per covered individual; it is difficult to put an actual cost on the deductible because it depends on the specific dental insurance policy owned.
Dental discount programs do not have deductibles. Instead, dental discount program members pay a membership fee that qualifies them to pay discounted rates at participating dentists at the time services are rendered.
Most dental insurance plans cap the amount of reimbursement to an annual maximum that is typically $1,000 to $1,500 per year. The insured person is then responsible for any costs over and above the annual maximum.
Dental discount programs do not have annual maximums. Program members are able to use their discount dental cards as often and as much as they want to. There is absolutely no limit to the amount of money members can save by using their dental discount program.
People with dental insurance policies often moan about the time-consuming red tape they are forced to face, including the need to provide written claims, exclusions on pre-existing conditions and the excessive waiting periods for major procedures.
As an alternative, easy to use dental discount programs are designed to save member’s time as well as money!