US Discount Dental Health plans - The Pro s Cons vs Insurance
US Discount Dental Health plans are an alternative to dental insurance. These discount plans do not make any payments to the dentist or specialist at any time. The benefit to using these types of discount plans is that they offer substantial discounts, in some cases as high as 60% off, on most routine dental care, such as cleaning, dentures, orthodontic braces and much more.
Here are some of the pro's and con's of US discount dental health plans.
Pro's
One of the good things about these types of plans is they don't have any age limit restrictions. This means that you can see a qualified participating dental provider no matter how old you are.
Another benefit is that pre-existing conditions are included. Most dental insurance doesn't cover any conditions that were already there at the time you bought the policy. That means that if your whole reason for buying insurance was to get your teeth fixed that you're in for a rude awakening because it won't happen. You can get a discount at a participating dentist as soon as you have your discount card in hand.
Although the cost of joining a discount dental plan and getting insurance is close to the same, a discount plan does not require you to pay co-pays each time you visit the dentist. Also, there are no annual limits with discounted plans as there are with most types of insurance.
Con's
If you have a major accident, such as falling off a bicycle, falling out of a tree, falling down and breaking your teeth, etc, then dental insurance would cover most of the costs of fixing your teeth, whereas a discount plan would only offer the discount.
Although there are well over 100,000 providers that accept discount plans in the USA, there are still many areas where service is very limited and you may be forced to travel an hour or more to see a participating dentist. You may not be able to continue seeing your current dentist, if you have one. You could ask that they become a discount plan provider and then see them, but if they refuse then you'll have no choice but to find a new dentist within the network of the discount plan.
So are us discount dental health plans a better deal than traditional dental insurance? That depends on your individual needs and the immediate needs of who is to be a part of the plan. It would be best for everyone if they could carry both plans, but that's not feasible for everyone to do since there are costs involved. Your best bet is to get more information about these plans, look at your immediate care needs and go from there.
Wait! Are Discount Dental Plans Really Your Best Option or Should You Buy Dental Insurance Instead? Learn The Facts By Watching This Short Video Right Now At http://www.Discount-Dental.net or by clicking on US Discount Dental Health Plans. Joe Stewart is a former Life And Health Insurance Agent that now works for himself providing expert information to consumers.
Source: http://ezinearticles.com/
Added: March 20, 2008
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