As medical, dental and vision care costs increase, more consumers are finding it difficult to stay afloat, when it comes to the treatments that they require. One of the best ways to ensure that you have access to the care that you need is to seek out discount plans.
Whether you are a family, individual, retired person, business or group, you can save up to 70% on routine dental visits and special procedures with a discount dental plan. These low cost dental plans are offered in all states and cities across the United States. With most plans starting below $90 per year, everyone can afford to enroll in a plan and save money immediately. Most importantly, these plans ensure that you have access to a large group of dentists in your area so that you can maintain good oral health. Anyone who has suffered a tooth abscess or other painful conditions due to dental care neglect will testify to the importance of oral care.
What is low cost dental plan?
These plans also referred to as discount dental plans allow consumers to save up to 70% on routine and special oral care visits. Unlike dental insurance plans, there are no pre-existing preconditions and almost all applicants can enroll in a local area plan. Plans are priced based on zip code. One of the biggest advantages to joining a plan is that you save money on each dental visit. In addition, the paperwork requirements to become a plan member are minimal and there are no annual limits on the benefits that you receive.
What are the key differences between a dental insurance and a dental plan?
Dental insurance requires your insurer to pay for some part of your dental costs, leading insurers to scrutinize and sometimes deny coverage. In addition, you are billed the full amount for dental procedures. This means that you usually end up paying out of pocket at the end of the year to cover your oral care expenses. For example, if you need braces, your insurance may only cover 40% – 50% of your costs and you have to make up the difference. With a discount dental plan, the cost of your braces would already be discounted so that you never pay full price.