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Which do you prefer,
Dental Insurance or Discount Dental Plans (Fee for Service)?
by
Raul Ramirez
Good dental health, as
well as correcting dental problems, is essential to overall health.
Many Americans are finding themselves without effective dental
coverage to treat and maintain their dental needs. This is due in
part to businesses increasingly cutting-back or offering inferior
dental coverage for prices many cant afford. So what are people to
do? As a result, people have started looking for alternatives for
their dental coverage needs especially online.
The #1 question people
are asking is, "What's the difference between Dental Insurance and
Discount Dental Plans?"
There are distinct
differences between the way dental insurance plans and "discount
dental plans work. Usually, dental insurance is used by large groups
and businesses to cover their employees dental care. Dental
insurance is true insurance where monthly premiums are paid for
defined coverage. Dental insurance is not readily available to
individuals and families, unless provided by their employer. The
pitfalls of dental insurance include annual benefit maximums,
deductibles, waiting periods for procedures, and limitations and
exclusions. There are also claims forms to fill out and submit.
Dental insurance a lot of times doesn't even cover the cost of
preventative measure until deductibles are met. You are able to use
any dentist but the monthly premiums for dental insurance may be as
much as $30 per month for individuals and over $100 per month for
family plans.
Discount dental plans
or "fee for service" plans, on the other hand, are available for
everyone whether or not you are covered by a group plan. Fee for
service plans are designed to provide clients dental networks at
reduced rates or better yet, pay a certain amount and only that
amount for services performed. Discount dental plans are affordable
and are the most widely available dental programs for individuals
and families. These discount plans work differently than dental
insurance plans, yet provide consumers with real and substantial
savings on most dental procedures. Discount dental plans are
membership-based programs that usually provide coverage on an annual
basis. Consumers pay a membership fee in exchange for secured
discounts on most dental services, such as dental exams, routine
cleanings, fillings, extractions, root canals, dentures, crowns, and
braces. These plans typically save the consumer ten to sixty percent
off most standard out-of-pocket fees when visiting a participating
network provider. Most discount dental plans provide a "fee
schedule" with the discounted fees listed out in the membership
materials to ensure consumers will receive their promised savings.
While there are
several differences between traditional dental insurance plans and
discount dental plans, they can also be used together in certain
situations to maximize savings. Gulf Breeze Insurance Inc. offer
both plans but prefer to off the fee for service plan for the basic
fact our clients like to save money and most need dental coverage
now with no waiting period or stipulations on the money they spend.
The fact that you know exactly what you are getting and saving is
enough to prefer these plans over any other. Many dentists will even
tell you at the time you checkout how much you have just saved. You
can even visit Gulf Breeze Insurance Inc. at
http://www.gulfbreezeinsurance.com to see if one of these plans
is available in your area and how much it can help you.
Raul Ramirez is
a licensed agent in the state of Florida. He owns and operates Gulf
Breeze Insurance Inc. an independent insurance agency.
http://www.gulfbreezeinsurance.com
Discount Dental Plans
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