Dental
Discounts - How to Save 10 to 60 Percent on Most Dental Costs
By Justin Scott
Ah, the costs of dental work. Braces, root canals, cavities, teeth
cleaning ... how can you afford it these days if you don't have dental
insurance? Here's one way people without dental coverage have found can
help them get money-saving discounts on most dental procedures.
First, it's good to understand how dental insurance works. Dental
insurance is similar to health insurance. You pay a monthly premium for a
policy that gives you certain benefits, such as coverage for cleanings,
cavities, x-rays and more, depending on the plan. You typically have a
deductible amount that must be met before the benefits start.
Additionally, you may need to pay a percentage of the costs for certain
procedures such as root canals, crowns and braces. The dental plan
typically pays the dentist for its percentage.
Now, an alternative to dental insurance that has gained popularity is a
dental discount plan. Discount dental plans are not
insurance and do not pay benefits to the dental provider. This is what
makes them a simpler alternative for many people; there are no paper work
hassles or deductibles to worry about.
With these kind of plans, you pay an annual membership fee. There are
usually dozens of plans available in your area, and it's likely your
dentist is already participating in one. As a member, the dental provider
will offer you discounted fees for most dental procedures. The annual
membership fee can be quite affordable and the discounts can be
significant: From 10 to 60 percent on most procedures.
When you become a member, you will get a membership card which you show
to your dentist at the time of service. You then pay him or her the
discounted fee. That's it.
Dental discount plans are good for families or individuals, and are a
great alternative to covering your dental costs if you are self-employed,
while you're waiting for employer benefits or while you are attending
college.
You can review plans online a comparison site, apply and even pay over
the Internet. Once you are accepted, you could take advantage of the
discounts within a few days of applying, making this a good alternative
for dental emergencies as well.
Compare
dental discount plans in your area.
Justin Scott is a free-lance writer. He recommends the comparison site
LowerYourInsurance.com to get free quotes on
dental insurance
and dental discount plan comparisons.
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