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Dental Insurance Or Dental Plans, Whats Right For You?

Fariba Zargar

Visitors: 533

All dental plans are NOT created equally. Three of the most popular types of plans are individual plans, family plans, and senior plans. Discount dental plans are an ideal solution for anyone looking to save money while improving their oral health. A few plans are highly competitive and provide excellent discounts on a wide variety of dental services.

The increasing number of Americans without dental coverage combined with the rising cost of modern dentistry is why more and more consumers are opting for Reduced Fee for Service or Discount Dental Plans. For millions of North Americans, they are an ideal form of dental coverage when benefits are not available through their work. While some plans are increasing the annual maximums, many plans have not increased maximums in years. They are an affordable and easy-to-use alternative to dental insurance without sacrificing quality of care.

Contrary to a popular belief, dental plans are totally different from dental insurance. Unlike traditional indemnity-based dental insurance, dental plans have no annual limits, no health restrictions and no paperwork. They are becoming more commonplace as consumers seek to actively take control of their finances without delaying their oral health care. While they aren't competing with dental insurance, they are the optimal solution to fill the gap of consumers who don't have insurance.

Most of these plans provide a price list with the fees and/or costs listed either on their web site or in membership materials to ensure consumers receive the savings they were promised. Discount plans activate anywhere from the same day one enrolls to five business days later. In some cases you can enroll using a Secure Online Enrollment Form, print your online Membership Card immediately, then make your dental appointment and receive service all within the same day. That could be a major advantage over dental insurance when you are faced with an emergency.

Be aware that dental-discount plans are not regulated by state insurance departments but that doesn't mean these plans aren't legitimate. Still, you should take precautions when buying one. There can be literally a dozen or more plans in your area for you to choose from, each one with their own group of participating dentists, premiums, and fee schedules and restrictions. When you make your selection from the variety of plans and dentists available, you are entitled to receive valuable savings on most dental services when you visit a participating dentists’ office for your dental procedure.

The big plus is are affordable to join and are the most widely available discount dental programs for individuals and families. When offered a choice, know what services the plan does and doesn't cover before you enroll.

Ready to compare dental insurance to dental plans? Visit Fariba Zargar's website for some comparisons of the best dental plans


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