Dental Plans vs Dental Insurance

Dental Plans vs Dental Insurance

Most people get insurance coverage through their work either automatically, as an employee

group benefit, or for a small fee.

Dental Plans vs Dental Insurance

Dental insurance drawbacks: annual deductibles, annual spending limits, non-coverage for pre-existing conditions or a very long (6-12 month) waiting period, and limitations and exclusions

on certain types of care.

Dental Plans vs Dental Insurance

You must also pay a monthly or annual premium which can be in the $25-$50 per month range for an individual person and even as much as

$100 monthly for entire family coverage.

Dental Plans vs Dental Insurance

Dental discount plans let you to visit a dentist at a reduced rate. You join the plan, which is

typically very cheap and you may then visit any dentist in that plans "network".

Dental Plans vs Dental Insurance

This network is a group of dentists that have agreed to accept a reduced payment for

services performed. They do this under the condition that the work be paid for at the time of

the visit.

Dental Plans vs Dental Insurance

With dental discount plans you'll pay a discounted fee for services done at the time of your visit.

Dental Plans vs Dental Insurance

For example, let's say that you need your teeth cleaned. The normal price for this may be $90, but you'll get a discount card stating that you

get a 50% discount, so, in this case, you'd only pay $45.

Dental Plans vs Dental Insurance

Many plans offer even higher discounts on certain procedures. Also, pre-existing conditions are

covered, there are no exclusions.

Resources:

http://www.youtube.com/watch?v=hAZ2Ym9sKm4http://www.kosspa.com/dental-plans