Dental Discount Plans vs Insurance
Too many American’s are putting off going
to the dentist because they either don’t have dental insurance, or they
have an inadequate plan. It may not seem like a bad idea at first,
skipping out your cleanings and checkups. But when you take a bite into
your favorite ice cream and a sharp, shooting pain has you doubled over,
you may be signing a different tune, because what was once a small
filling is now a costly root canal. Not to mention, poor oral health has
been linked to diabetes and heart disease.
In short, staying
on top of your oral health is important not only for your mouth, but for
your overall health. But monthly premiums can be too high, and paying
out of pocket for your dental procedures can hurt almost as much as your
tooth. Luckily, there are two options for your oral health care
needs—insurance and dental discount plans.
Insurance
There are a large variety of different insurance plans ranging from
individual plans, dppo, dhmo’s and group plans. In general, most
insurance plans require a monthly premium or co-payments, and their set
pricing makes it a little easier to predict your out-of-pocket expenses.
With most plans, you’re restricted to a network of dentists to choose
from. However, they usually cover preventative care such as cleanings
and exams, and a portion of basic procedures (extractions, fillings and
root canals). The downside to insurance is that monthly premiums and
deductibles can be high, and even after that your out-of-pocket for
procedures are still high. It’s also near to impossible to get coverage
for a preexisting condition. So if you’re in pain and your dentist is
telling you that you need a crown, and you don’t have insurance, it’s
too late to get it.
Discount Dental Plans
A dental discount plans is not an insurance plan. However, like
insurance, the dental discount plan does cover two cleanings per year,
and that’s about where the similarities stop. There are no monthly
premiums, claim forms or waiting periods. With a dental discount plan,
you receive a 20% discount on dental procedures. It’s kind of like
buying a Costco membership. You’re buying the membership and are then
able to enjoy the discounts. The dental discount plan is a great
alternative for those who have preexisting conditions. In most cases,
the dental discount plans works out to be less money out-of-pocket than
traditional insurance coverage.
Whether you need a routine checkup or a solution for damaged or missing teeth, we can help with our Wellness Dental Plan. Check out the details of the Wellness dental plan and call our office with any questions you have or to get enrolled. There is no waiting period, as soon as you sign up, you are a member and receive the discount immediately on your next treatment. Our plan is available at any of our six New Hampshire locations, including Allenstown, Londonderry, Nashua, Raymond, Weare, and Tilton. You can contact us at (877) 636-5135 or visit our website at http://www.wellnessdentalplan.com for more information.
