Low cost dental insurance offers poor coverage. Typically, any dental insurance offers full coverage for two dental cleanings and two oral checkups per year, but coverage for actual dental treatments is extremely low. For oral health maintenance, dental insurance is pretty good, but it is suitable mainly if you have a very good oral health in general and you don’t foresee needing serious dental work other than the basic/preventative treatments.
Dental insurance costs around $1,200 and even up to $2,000 annually, and these prices are pretty much the same for about 3 decades. Many experts suggest looking into other options if you need better coverage for affordable rates.
The dental discount plans seem to take over the traditional dental insurance policies. First of all, these discount plans are much cheaper. Per year, an individual dental discount plan membership costs between $75 and maximum $150. Once you become a member, you will have access to discounted dental treatments all year long.
You just need to choose a dental provider from within the network of the provider. When you go to the dentist, you will show him the card, and the discount will apply automatically. Generally, discounts vary between 10% and up to 60% on a wide variety of dental treatments- from basic and up to major dental work.
Some of the most popular dental discount plan providers include Careington or Northeast Dental Plan. With an online research however, you will come across a multitude of providers, so you can comparison shop nicely and find the plan that suits your needs and your available budget of course.
Dental discount plans represent the perfect solution for patients who need multiple dental treatments per year. There are many new companies available which offer competitive prices and coverage through their plan, so it is definitely worth to check them out before jumping to buy the next expensive dental insurance.
Some of the features and highlights of a dental discount plan include:
*remember, dental discount plans are not insurance products
-the providers have got a huge network of dentists all across the country, so you can easily find a dentist in your area
-the discounts offered through the plan will apply to a wide variety of dental treatments even orthodontic care and cosmetic dental work
-there are no waiting periods required. You purchase the plan today, and you can benefit of discounts tomorrow if you need dental work
-no paperwork involved
-a family plan can cost as little as $160 per year
-many plans include discounts not only for dental care, but for chiropractic, vision, prescription drugs and hearing products/services too
-for full upper dentures you can enjoy savings of 55 % to 60%, four bitewing dental X-rays come with discounts exceeding 45% while you can save about 50% on permanent bridges.