Dental Tourism: No need for dental insurance anymore
Go to DentalCareAdvice.info to see much more information and to compare dental plans in your area.
It is more common now that you will find people who just don’t have Dental Health Insurance. It is also more common that work places do not offer their employees dental insurance. Now, we all know that dental coverage can be very expensive, but it is also true that trying to pay out of pocket is no walk in the park either.
So what are we to do if we cannot afford dental insurance coverage? Well the worst thing you can do is to just do nothing about it and simply avoid the dentist. The consequences of NOT going to the dentist for regular check-ups can be severe. There are many health complications that go far beyond just teeth when someone decides to avoid the dentist office completely. Even preventative dental care is important to your health just as much as it is vital to your wallet. After all, a tooth cavity is much cheaper than a root canal, which will be the end result of letting that cavity go for too long.
I have a friend that received dental insurance through his employer, and when he got some dental work done he discovered that he had used up all of his insurance and everything else had to be paid out of pocket. As a result he ended up not having any more dental work done. Sadly, many are in this same situation.
But there is another solution for affordable dental care that a great number of people are starting to look into, and maybe you should too. It’s called a dental discount plan. Now this is not dental insurance, but it saves you money at the dentist and is quick and easy to set up.
There are a few main differences between Discount Dental Plans and Dental Insurance which I will cover here:
Dental Insurance
- Limits on what is covered and yearly maximums that all too often are easy to reach
- A long waiting time for certain procedures, while you agonize in pain at home
- The Hassle of forms and claims that is all to synonymous with dental insurance
- Premiums that are expensive, even when you have no serious dental issues
- Usually you can only get Dental Insurance through an employer.
Now that last one is the reason most people do not have dental insurance. Some will even choose a job based on if they offer dental.
Discount Dental Plans may not be for everyone, but there are a few positive things about it that you should know before you go make that next appointment with your dentist.
Dental Discount Plan
- No yearly limitations
- Very fast activation, usually within a few days.
- No heaps of paperwork. Simple membership card is all you need to show the dentist
- No health requirements or limitations.
- Some plans even include cosmetic dentistry and orthodontics
- Dental Plans made available to individuals and families
As you have seen, one very nice aspect of a dental plan is that they do pay for orthodontics work as well. Good luck trying to get your dental insurance to cover that.
Oral health is one of the most neglected aspects of our health in society today and yet it is one of the most vital. Now, while a discount dental plan will not pay the full price for your dental work, it’s nice to know that for only $79 or more a month you can get some pretty nice discounts on dental procedures. There will be no maximum limitations but rather a percentage discounted for the work you have done.
Some dental plans give you access to over 100,000 dentists, so you can be sure to find a dentist in your area. I think many more will be going to discount dental plans as you have much more freedom and flexibility, along with the fact that you are covered for more cosmetic procedures. There are even heavy discounts with a dental plan for those getting braces.
Don’t neglect your oral health. It is too important. Preserving that beautiful smile may cost a few bucks, but in the long run, you will want to smile more, knowing you didn’t let those dental insurance companies take all your money.
See more information at www.DentalCareAdvice.info
Watch the video related to dental insurance
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Help answer the question about dental insurance
How does dental insurance work if you buy it yourself, not thru an employer?I can't get dental insurance and I was wondering how much it cost's to pay for it yourself. I need some work done to my teeth and I would figure that it will be expensive. If I just buy it and then go and get like 3000 dollars in work done will it cover the cost's?
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I am always looking for ways to save the consumer a few extra bucks. It’s important to be frugal but also to have a giving spirit.
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9 Responses to “Dental Tourism: No need for dental insurance anymore”
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November 14th, 2009 at 7:05 am
Back to the basics — you need to check with the company the dental insurance is through – that's step #1. Preventative treatments include cleanings, x-rays – things to prevent major problems down the road. Major treatments would also have to be defined by the insurance company – an example would be a root canal, crown, bridge, etc (most of which I'm sure you don't need if you're young and have taken good care of your teeth). A $225 deductible means that the first $225 of any/all treatments (new patient exams, x-rays, cleanings) would have to be paid by YOU — after you've paid out $225 out of your own pocket then the insurance will kick in a certain percentage! Good luck!! Read carefully between the lines and if it sounds too good to be true – it usually is!
November 14th, 2009 at 8:00 am
Actually, the only time the copays are so low for health insurance is when you're dealing with those high-dollar plans provided by a lot of employers. (At least those are the types of plans that were provided be employers in the past; that's changing significantly because of the cost involved.) Trust me, these are FAR from the "norm."
As for dental insurance, the fact is that there are nearly as many organized networks for dental providers as there are for medical providers (where belonging to as many networks as possible is the best way to ensure you keep new clients coming in to your practice.) Dental insurance, by comparison to what you pay for medical coverage (particularly of the variety you mention) is also CHEAP. And I don't know very many people who would pay triple the price for dental insurance so they could get the $10 copay. In the end, it's really that simple.
November 14th, 2009 at 9:00 am
Write a polite letter of complaint to the Commissioner of Insurance for your state – at your state capital. Copy to your insurance company's Vice President of Health Insurance Claims – or some similar person. The insurance company is required to respond to the commissioner within 30 days. Every day after 30 that they are late, costs them $. You should get a prompt response. But, remember to be polite. You will still have the same insurance company. Most claim adjusters are over worked but real people.
November 14th, 2009 at 9:15 am
You need to talk to an insurance agent and find out what policies s/he can find you that will cover the work you need to have done at a premium you can afford. No other way to know. until you get some quotes and read the policies. (Read the policy before you sign.)
November 15th, 2009 at 3:00 pm
They are actually the same. Plan sounds better than insurance in a sales pitch. Most businesses offer employees health insurance plans.
Either one can have restrictions, such as requiring you to go to a specific group of dentists.
November 15th, 2009 at 4:55 pm
With a dental plan the company sponsoring the plan doesn't pay out anything. With dental insurance the insurance company pays the dentist.
You have five options with dental.
1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning, exam and even an occasional filling will cost you less without insurance.
2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Dentalschools.html
3. Insurance – Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 – $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example – average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage – you can use any dentist with most plans.
4. Discount plans – Cost – $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example – average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm concerning these plans.
5. Fee for Service discount plans – Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example – average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404.
I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
November 16th, 2009 at 5:51 pm
Call and ask the nearest dental office if payments in instalments are accepted, than go and pay by cash, or cheque; if necessary pay the whole amount by a credit card. Also, the dental schools allow their students to practise under supervision and the patients get the low cost treatments. Good luck.
November 17th, 2009 at 10:59 am
Hi
Dental insurance as the name suggest covers only dental related procedures. It depends on the policy sometimes it is supplemental to health insurance in general or just as a stand alone policy.
November 17th, 2009 at 2:55 pm
I would encourage you to visit this great site: http://www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands of dollars over the years. From root canals, xrays, extractions, xrays…etc. All services are included in this very affordable plan. Even my braces. They even had my very affordable plan active in 2 hours and was able to use it the very same day. good luck and hope this helps.