Buy Dental Plans – How to Beat the High Cost of Dental Care
Dental care has taken a back seat recently because of all the talk about standard health care, and rightly so. However, proper dental hygiene is an important part of taking care of your overall wellness. Problems such as bleeding gums and abscessed teeth have been directly related to other serious medical conditions, including heart attack. The build up of bacteria from your mouth is carried directly into your blood stream folks, even more easily if you happen to have gingivitis (bleeding gums). Anyway, now that you know that.
There are only two standard types of dental plans available for consumers to choose from. I’ll list some of the pros and cons of each and you can make an informed decision based on that and other research you may want to do.
Dental Insurance – Cons
Many people make the mistake of believing that all they have to do to get their teeth fixed is simply go see an insurance agent, offline or online, and buy dental insurance. Well, if this is what you think then I’m afraid you’re in for an unpleasant surprise. Just like any other type of insurance dental insurance does not cover any pre-existing condition. This means that if your teeth already in need of work then you’ll have to pay for those repairs first before your insurance will kick in. There’s normally a mandatory waiting period of at least 6-12 months before the insurance company will begin to pay for existing conditions.
Dental Insurance – Pros
These plans will pay for things like cleaning, x-rays, fluoride treatments, etc, although there is an annual deductible for each person on the policy and you are limited to how much coverage you can use each year. You also may be required to pay a co-pay at each visit.
Discount Dental Plans – Pros
The biggest benefit that a discount plan offers is the fact that, since they’re not insurance, you can receive a discount on practically any problem you may need taken care of. Pre-existing conditions are not a problem. There are basically no exclusions either. You can save quite a bit of money on major dental such as braces, dentures, bridge work, root canals and more.
Discount Dental Plans – Cons
You have to pay a fee comparable to insurance to join. Some plans offer monthly payment while others you must pay an annual membership. However, the annual fee is usually less than what it would cost to pay by the month.
Another issue with discount plans is availability of providers. You can find a participating dentist in most any city, but if you live in a rural area you may be forced to travel to the nearest town. In most cases you will save enough to make it worth your time, but it’s not always convenient for some people, especially seniors.
Financing – Pros
You may be able to find a local dentist that will finance you and allow you to make payments. More and more dentists are offering this and it makes it easier for the entire family to be seen.
Financing – Cons
You’ll still have to find one first. You’ll likely have to place a significant down payment on your account before they’ll do any major work. Also, you may be charged at a higher rate than if you paid cash and you’ll definitely pay insurance.
Each persons situation and needs are different. These are just a few things you’ll need to be aware of before you get ready to buy dental plans.