Dental Insurance vs. Dental Plans
According to the Department of Health and Human Services nearly 110 million people in the U.S. do not have dental insurance. Why? Because most dental insurance is too expensive, with prices ranging from $190 a year for one person to more than $1,500 a year for a family.
In addition, most dental insurance companies do not cover pre-existing conditions, have a 6 to 12 month waiting period before you can have any dental work done, and a 24 month waiting period for any major work. Most companies also have yearly maximums of $1,000, so if you need two root canals or two crowns you ll have to pay for the second one yourself.
Dental plans, or the other hand, are less expensive and more flexible than dental insurance. You can get a dental plan for as little as $79.95 a year. The plan gives you access to to a network of dentists and specialists who give you discounts of 10% to 60% on most dental procedures.
Dental plans cover pre-existing conditions and there are no waiting periods. You can sign up for the plan today, and see a participating dentist tomorrow.
Discount Dental Plan Coverage
Dental plans cover procedures such as:
* Cleanings * X-rays * Fillings * Extractions * Root Canals * Crowns * Braces * Dentures * Cosmetic Dentistry * Periodontal Dentistry
Where to Find the Best Discount Dental Plans
The best place to find the best dental plans is a dental plan comparison website. There you can see all the top dental plans, dental fees, and participating dentists in your area. You can then choose the plan that s best for you.
Some sites even offer a chat feature where you can ask a dental plan expert questions. (See link below.)
Bottom Line
Dental plans offer individuals, families, businesses, and groups affordable dental care at a cheaper rate than dental insurance, with no waiting periods and no yearly maximums.
Visit http://www.LowerRateQuotes.com/dental-plans.html or click on the following link to view the best dental plans and prices from top-rated companies and see how much you can save. You can get more dental plan tips in their Articles section.
The author, Brian Stevens, is a former insurance agent and financial consultant who has written a number of articles on the best dental plans.
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