When it comes to choosing the best dental coverage, you have several options to choose. They range from basic dental insurance cover to dental PPO plans. However, discount dental plans have also become a popular type of dental cover. In case you have never heard about discount dental plans, you may have several questions about their difference with dental insurance.
According to a recent study, over 100 million Americans lack dental insurance. While there are several reasons why most people don’t have dental insurance, the common reason is the high cost versus the low benefits. However, over the years the number has decreased thanks to the ACA (Affordable Care Act). Unfortunately, the ACA doesn’t protect people above the age of 65 years and Medicare doesn’t cover dental services. While some plans can cover preventive dental care and teeth cleaning, they don’t cover for major services such as bridges and fillings.
Dental insurance is similar to health insurance. You have to pay monthly premiums which range from $30 to $60 per month for an individual and a family premium that costs over $100 per month. Dental insurance firms also limit pre-existing conditions which they establish through long waiting periods before you can start receiving services.
Dental insurance also has annual caps which often range from $1,500 to $2,000. After you exceed the annual cap, you cater for the full costs. Although some dental policies may have caps exceeding $5,000 annually, you will have to pay a higher premium.
You will also have to wait for some time before you can start receiving basic and major dental services. The waiting period can last anywhere from 6 to 18 months. Dental insurance companies also limit the number of dental services as well. For instance, you can only get 2 cleanings per year.
There is also a deductible which ranges from $50 per individual to $150 per family. You have to pay the deductible before your insurance kicks in.
Discount dental plans in NY from DentalSave are a better option. These plans provide a network of dental specialists that provide their services at a discount. The best dental discount plans Long Island NY give discounts between 10 to 60 percent after paying a low monthly or annual fee.