Individual Dental Plans by J. Souza
Finding the right dentist can be hard. With the exorbitant fees demanded by many dental practitioners today, finding one that's affordable is even more of a challenge. Medicare and Medicaid do not cover dental expenses, and that leaves many dental customers swallowing more than their teeth.
It also leaves many private insurers stepping up to fill a hefty void. However, insurance is always more expensive than necessary, due to the vast amount of personal liability involved to any company who chooses to insure another party.
But in the wake of high dentistry costs and nearly as high and costly insurance premiums, there has arisen yet another opportunist market and this one seems to be the most beneficial solution afforded yet. Welcome the Dental Discount Plan.
What is a Dental Discount Plan?
It works similar to insurance in that you pay a set amount of money monthly/yearly in order to receive certain benefits and services. What makes the Dental Discount Plans different however, is that usually the costs per month/year are noticeably cheaper than if you paid the same term to insurance. The other thing that's different about Dental Discount Plans is that the company takes a heavy percentage off of the billed services, as opposed to paying the amount of service under certain and vague conditions minus the hefty deductible. In other words, you save more money with a Dental Discount Plan!
Following is a summary of six leading Dental Discount Plans, and the services they offer.
Fees: $104.95 Per Year Individual, $159.95 Per year Family
They have over 66,000 locations nationwide. They offer 15-50% savings on just about any dental work you can imagine, including root canals, crowns and orthodontia. Savings are also offered on routine practices such as x-rays and fillings. All of the program's participating dentists are credentialed and enrolled in a quality management program. There's no health restrictions and no paperwork, you present your card and are discounted on the spot. There's no limit on how many times you can use the card and your benefits are not predetermined. There's no referral required to see a specialist and group rates are available.
Fees: $104.95 Per Year Individual, $159.95 Per Year Family
They have 7,800 dentists. There's no yearly limits and near instant access allows you to start saving almost immediately. You receive one Oral Examination free per year at a participating general dentist. You get free Bitewing X-Rays once a year at a participating general dentist. No referral is required to see a specialist. Group rates are available.
Dent-All Plan, Inc. Nationwide
Fees: $114.95 Per Year Individual, $169.95 Per Year Family
They have 61,000 participating dentists. They emphasize preventative care and early detection of potential dental problems. There's no health restrictions and no predetermination of benefits. Orthodontics are included and there's no age limit for dependents. Group rates are available and no referral is required to see a specialist.
GE Wellness Plan - Discount Dental Care
Fees: $144.95 Per Year Individual, $199.95 Per Year Family
They have 9,900 participating dentists and they stress early care and preventative maintenance. You get your choice from participating dentists with no annual limits and no paperwork. Orthodontics are included and there's no health restrictions. There's no age limits or background checks.
Fees: $114.95 Per Year Individual, $169.95 Per Year Family
They have no health restrictions or predetermination of benefits. Orthodontics is included and there's no age limit for dependents. There's no referral necessary to see a specialist and group rates are available. Some cosmetic exclusions apply.
Fees: $134.95 Per Year Individual, $189.95 Per Year Family
They have 82,000 practicing dentists. There's no health restrictions and no predetermination of benefits. Orthodontics are available and there's no referral to see a specialist. Group rates are available.
Though just a small sampling, this list is representative of the quality dental discount plans available today.
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