Reducing the Premiums Cost of your Dental Insurance
While you are researching the Internet to find affordable dental insurance, you will see that your options are quite limited.
If the premiums on the dental insurance are low, the deductible is exaggeratedly expensive. Also, if the deductible is low, the insurance premiums that you need to pay on a monthly basis are very expensive.
However, if you pay attention to a few important factors you will be able to find affordable dental insurance which comes with low premiums, and still you will not be “obliged” by circumstances to pay a huge deductible when you need a basic or minor dental treatment.
You should know the main differences between a Dental Plan and Dental Insurance
Many people use these terms interchangeably, but these two are completely different. The dental discount plan is basically a special membership card which will offer you discounts for a wide variety of dental procedures.
First you need to get registered, and then pay for an annual membership. Typically, an individual plan is not more expensive than $100. With this card, you will have access to a network of dentists registered with the plan provider, and they will offer you discounts ranging between 10% and up to 60% in some cases for dental treatments.
The dental insurance on the other hand will include a list with the dental services provided, and you will have to pay for the monthly premiums whether you use the insurance or not.
Dental insurance usually covers for preventative/basic dental care, and expensive dental work is excluded, especially cosmetic dental treatments.
Talk to your dentist to see which insurance plan he favors
It may happen that your dentist does not accept a certain type of insurance for one reason or the other. This is why it is important to ask him which exact type of dental insurance he prefers most. This way, you have got to keep your preferred dentist and you will not have to choose a dentist at random, whom you don’t know or trust.
Combining dental insurance with a dental plan
If you have currently got a dental insurance which covers quite well for preventative dental care (professional dental cleanings, two check ups per year and a dental X-ray), and the premiums are low too, you can now add a dental discount plan to your insurance.
This way, you are going to add an option which will help you have access to dental treatments that are not covered by your insurance plan, at affordable prices. For example, if you need a root canal treatment and your insurance covers only 10% out of $1,000, this means you need to pay out of pocket $900 with the insurance.
If you have a dental discount plan, a dentist might offer you the same treatment at even 50% off. This means that you have just smartly saved $400- the difference between $900 charged through insurance and $500 through the dental discount plan.
When you are searching online for the perfect dental insurance, make sure it has a high annual spending limit, and basic preventative dental care included.
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