No Dental Insurance? Try A Discount Dentist
Although dental insurance may seem like a good option, most financial advisors point out that several dental insurance plans cover very little most of the time, and they are expensive. If you are among the 45 million Americans with no dental insurance cover, you can access discounted dental services by joining a discount dental plan. Recently, the CDC (Centers for Disease Control and Prevention) stated that enrollment in dental plans is almost always the only way to access a discount dentist.
Downside of Dental Insurance
Dental insurance policies often cover very little, and this is the main problem. While the rates may seem low and the plan can cover the full cost of two dental checkups annually, the payouts made for the actual dental work are very low. Most firms offer dental work payouts ranging between $1,000 and $2,000 per year.
Purchase a Discount Dental Plan
Compared to dental insurance, dental plans are more affordable. These plans cost between $70 and $150 per year, and they enable you to get discounted dental services from your dentist at discounted. The discounts can range between 10 to 60 percent depending on your location and discount dentist. When you compare dental plans and dental insurance costs, the first time they will be almost the same. However, because with dental insurance you will quickly meet the yearly maximum, the discount dental plans are more affordable, and they can save you more money.
Your best dental cover option will depend on the amount of dental work you will need per year. If you are sure that you won’t require extensive dental procedures, then you may consider purchasing a dental insurance policy. However, if you are unsure of the future and want to be safe, consider purchasing a dental plan membership to find the nearest discount dentist.
