What Dental Discount Plans Cover

In the last post we starting to get into talking about the dental discount plans and how they work. I took an example from and actual dental discount page and here is a partial list of some of the savings available under one of the many plans available:

Procedure Description Usual Fee 1 Discounted Fee
(for Plan Members) 2
Member Savings Savings Percentage
Routine 6 Month Check-Up $57 $14 $43 75%
In Depth Check-Up $99 $18 $81 82%
Full Mouth X-Rays $144 $45 $99 69%
Four Bitewing X-Rays $70 $23 $47 67%
Panoramic Film $122 $45 $77 63%
Adult Teeth Cleaning $102 $32 $70 69%
Child Teeth Cleaning $75 $27 $48 64%

 

As you can see, they have some pretty great discounts in the family plan. This plan is only $169.95 per year for a family and there is an initial $15 dollar processing fee to get you started. This plan covers spouse, dependent children and any permanent member of your household.  Another incentive they give you with the plan as I look at it now is they give an extra 3 months for signing up today. The really super part of this is it only takes (2) day for your coverage to be activated! This is why I like the idea of these types of dental discount plans, quick, easy and affordable.  I think that just about anyone can afford $14.17 a month for a family plan.  One last benefit I’ll mention to close is, if you don’t like this plan you can bailout after a year and switch to another one. Discount dental plans are a dental insurance alternative used by individuals and families to save money on dental care.

Dental Discount Plans

In the last post we talked about the word “insurance” and how we would continue to use this word because it’s a popular search term. Keep this in mind as we continue this series so there won’t be any confusion.  Dental Insurance Plans, once again,  in most cases is an indemnity plan offered by an insurance provider. Dental Discount Plans are the primary focus throughout this website. Dental Discount Plans are the most popular options for those who do not have a dental insurance plan though their employer. This could be because the company either doesn’t offer a plan or you’re only part-time worker. Although dental discount plans are readily available to just about everyone, many people still don’t have any dental care coverage at all.

If you happen to have some form of dental insurance plan already, you can supplement a dental discount plan along with it because it may offer some additional benefits you primary insurance doesn’t cover. Seeing the dental discount plan IS NOT an insurance plan, there is no conflict with the insurance company for using it as a supplement. One of the biggest differences between a dental insurance plan and a dental discount plan is the fact that there are no dollar-amount limitations on the discounts.  With a dental insurance plan, there is usually a maximum dollar limit per-year available and a minimum deductible and possibly a minimum waiting period that needs to be reached before coverage starts. Both have their pros and cons, but I just wanted to give you a couple of comparisons to help you understand the differences.

Dental “Insurance” – Clarified

As we move into exploring dental discount plans I’m going to continue to use the word “insurance.” The reason for this is relative to how the majority of people will search the internet using the word “insurance” in their primary search term for dental plans. I’m going to explain some of the differences between the two here so it’s clear. The purpose of this series is to educate and inform those who are seriously looking for a dental plan that will supply them the with services they need to keep their teeth and gums maintained.

Firstly, a “dental insurance plan” would be very similar to what may be provided by your employer. It could be a plan like Delta Dental or similar plan cover under Blue Cross or Harvard Pigrim for example. Some employers will pay all or just a portion of the plan and some don’t offer a plan at all unless a predetermined number of employees are interested in a dental insurance plan which is why it’s good to do a dental coverage comparison.

Whatever the case, this plan will usually cover cleanings every six months and x-rays annually. Some of the cost of fillings, root canals and other more detailed services may be covered,  but all plans will vary. A co-payment will usually follow any services performed beyond the cleanings and x-rays and there may be a minimum deductible amount that has to be met before the insurance coverage begins. This is just some of the basics in doing a good dental insurance comparisons, knowing what the differences are.

 

Dental Insurance Plans

Finding dental insurance plans is relatively simple if you know where to look. The internet is a powerful tool but sometimes there are too many choices available and that’s where you can get bogged down with tons of information. In this article, I’m going to address this and cut-to-the-chase so you can find dental insurance plans that will fit the needs you have as singles, couples and families. I’ve done all the digging and searching so you don’t have too!

The first step is to know what type of dental coverage you’re looking for. Is it going to be for checkups, which include cleanings and x-rays, semi-annually? Will it be to cover fillings perhaps? Maybe even a root canal, a crown or a cap?  These are some of the areas that I discuss in detail at www.cheapdentalinsurancereviews.com.

Although an actual “insurance plan” is the most expensive and covers the most of the costs, the primary focus on this website is on the more affordable dental discount plans that will have a reasonable monthly fee. We’ll refer to these as “dental insurance plans” for the sake of the search engines because more people will search on this keyword. We are trying to keep it simple to find what you’re looking for here.

Although dental insurance plans may be the last thing on your mind, it may be the first thing on you mind when you have a tooth that’s aching and you go to a dentist to find out what you out-of-pocket cost is going to be. It’s like car insurance, you feel like your pouring money out, until you have an accident. Then you’re pretty happy about that fact when your car will be fixed for a mere $1000 deductible charge. Don’t wait until something happens and be caught shacking out a pile of money! Find dental insurance plans today!

NOTE: The word “insurance” is used  throughout this website , but the primary focus revolves around dental discount plans and/or dental discount programs. The primary reason the word “insurance” is used is used simply because it’s the most common search term used.

Cosmetic Dental Insurance

Here we will provide information relative to that of cosmetic dental insurance coverage. Dental procedures that assists in helping to align, straighten, repair, or adjust a single tooth or multiple teeth is considered cosmetic.  Other areas of cosmetic dentistry include; cosmetic implants, tooth whitening, bridges and porcelain veneers. Going to the extreme, even jaw adjustments and smile correction are part of these services. Having access to cosmetic dental insurance is important to those who want to have their teeth and smile look the very best they possibly can.  Though the primary purpose is to improve the aesthetics of the teeth arrangement and smile, these procedures also serve the purpose of addressing other concerns in the dental region.

In order to find the best coverage for these type of procedures, you really have to explore and narrow it down to a specific plan that covers the particular area of cosmetic dentistry you are interested in. It’s wise to keep in mind that the cosmetic dental insurance also cover standard procedures like; semi-annual cleanings,  yearly x-rays and fillings that will maintain the health of you teeth and gums for years to come. When exploring resources that offer cosmetic dental insurance, keep in mind, it may not be defined as “cosmetic dental insurance.” To some extent, all dental procedures are “cosmetic,” because the objective is to maintain your teeth and gums and keep them healthy and looking their best.

 

 

Dental Insurance Plans for Seniors

  Welcome seniors! I’m pretty close to being one myself so I hope you can relate to this post. We still need to be taking care of our oral health as we get into our senior years.  Dental insurance for seniors is available in a wide range of choices and prices. We’re all looking for the best prices, but we also need to keep in mind that we all have different situations.

Some seniors have false teeth, some have their original teeth and them still others are somewhere in between. This is where to start in regards to looking at dental insurance plans for seniors.What type of coverage do I need for my personal oral health situation? The second thing to look at would be your financial situation. What can I actually afford? As I’ve mentioned in some of my other pages and posts, there are basically three choices; a dental discount type plan, a dental insurance plan and an insurance indemnity plan, which  is a plan usually provided by your employer through an insurance company.

If you’re retired, the the dental insurance discount plan or the dental discount insurance plan would be the only two options. As we move forward in exploring dental insurance plans for seniors, lets break down the two plans mentioned above for “retired” seniors. A  “dental discount program” is a plan  where you will get a certain discount percentage off services provided, such as standard visits for cleanings and x-rays as well as orthodontic care.

The percent of the discount many vary per whichever specific service is needed. With a “dental discount program” you’ll almost always need to pay your percentage of the services rendered right as you’re leaving the visit. Doing a good dental insurance comparison before you make any final decision to participate in a dental program is a smart choice. A “dental insurance discount plan” is one you would use like health insurance. You pay a fixed monthly amount towards dental insurance plans for seniors which will cover some procedures in full where other services would only be a percentage of the total cost and you make a co-payment.

Additionally, some may have a minimum deductible you have to reach before certain service will be eligible for coverage. You can find more  in-depth details about these various coverages on my “Comparison” page. I hope this gives you some ideas of what’s actually available to seniors and what to look for in that of dental insurance plans for seniors. Knowing what coverages you need for you personal needs is the most fundamental place to start your search.

 

 

 

 

Dental Insurance for Kids

Dental insurance for kids is an essential part of life especially when secondary teeth begin to come in. It’s at this early stage that we teach the to brush and floss their teeth, but it’s  also a stage where we can find out how uniformly their secondary/permanent teeth are going to come in. The earlier we can learn this, the sooner we can respond to it,  whether it be a retainer, braces or something as simple as crowded teeth where a couple may need to be extracted to make room for the others. Having dental insurance for kids is an excellent investment in their future.

Most children will need some type or orthodontic work done on their teeth. Catching what needs to be done early-on will save you hundreds of dollars  down the road. The longer time passes without doing something to correct a problem, as their teeth become mature, the more it’s going to cost to fix the problem.  This is just another reason why having dental insurance for kids is essential. With costs going up and demand increasing for procedures like braces, having the coverage of a dental plan for kids is going to save you the expense of paying out-of-pocket or having to go on a monthly payment program where the interest sky-rockets if you don’t pay if off by the end of the grace period. Worse yet, maybe having to tap into that vacation money you’ve been saving for the next family vacation.

There are a lot of choices available for dental insurance for kids out there, so hopefully with the information provided here, we’ve helped you to understand is a little more. If you’ve been looking around and haven’t been able to decide, check out some of the other pages and posts here so you can get  a well-rounded education on dental insurance for kids, students, adults, families and professionals. The right one is out there for you and we’re so glad you stopped here and given us the opportunity to lead you in the right direction with the information we’ve provided here. Note that the term “insurance” is used even though the plans discussed on this website are dental plans and dental discount plans. I planned it this way because I know this is how most people would look for dental programs.

Affordable Dental Insurance For Low Income

affordable dental insurance for low incomeLets explore affordable dental insurance for low income individuals and families. First, you need to have at least a basic dental plan that covers check-ups, cleanings at least twice a year and also x-rays once per year. This is a very basic and affordable dental insurance plan for low income individuals and families.

In most cases, there would not be any out-of-pocket money other than the annual or monthly fee to have the dental plan itself. A dental discount program, on the other hand, would only give you a certain discount percentage off the services rendered and you’d have to pay the difference before you leave their office, but that in itself may make this the premier  affordable dental insurance for low income families and individuals.

In extreme hardship circumstances, most states offer government programs or have clinics provided by local health departments that will cover individuals and families who qualify. Seeing there are a lot of variations from state to state, we won’t be covering that topic here in this post.

With the current state of our economic situation in the United States, many people have or are taking jobs that do not offer affordable dental insurance for low income individuals and families. However, with the multitude of choices for dental plans available, we will help you narrow down and target the one that fits you personal situation. Affordable dental insurance for low income individuals and families is just a matter of knowing where to look and getting answers about a dental plan or a discount plan that fits your budget the best.