While everyone needs dental care, not everyone is able to afford the high rates that most dental insurance have to offer. An average dental insurance can set you back about $35 each month. For self-employed individuals, the price of dental insurance is quite steep. For people who have ongoing or pre-existing dental conditions, they are not qualified to purchase their own dental insurance. Even people who do have dental insurance are often left frustrated because their coverage is not complete. It’s normal for dental insurance companies to impose certain restrictions for ongoing conditions and most members are subjected to a lot of waiting periods, huge paperwork, age limits and annual limits.
Additionally, orthodontia and cosmetic dentistry are either not fully covered or not included on the coverage at all. The bottom line is that though many people think that dental insurance can provide them the coverage they need, it won’t. In the end, members are left gnashing their teeth in anger because they are only provided basic coverage when they should get more out of their insurance.
This is why low cost dental plans are starting to increase in popularity. Dental health plans offer quality dental care without the crippling costs. Fortunately, Americans have a significant number of great dental health plans providers to choose from. On the other hand, not all dental health plans are created equal which is why it’s best to ask great questions when on the hunt for a good discount dental plan provider. In order to purchase the best dental health plan for you and your family, make sure to ask the following questions when hunting for plan providers:
One: How long has this company been in this business?
The number of years that the company has been in service will definitely affect the size of the provider networks while also giving you the peace of mind that this particular company knows exactly what you need because of their long history in the business.
Two: How much will the plan cost me?
Always check each rate and know the precise discounts that you can get for every various procedures. Also, it’s best to ask upfront the kind of payment arrangement that a certain company in order to prevent any unnecessary troubles in the future. If you own a business, don’t forget to ask whether business or group dental health plans are available.
Three: Is this company a member of the National Association of Dental Plans or NADP?
Some people prefer to purchase low cost dental plans from new companies which are not members of NADP because the rates are much cheaper. On the other hand, buying dental health plans from companies that are members of NADP will give you peace of mind knowing that your plan provider is recognized by a prestigious regulatory board such as the NADP.
Four: Is there a customer service hotline that I can call for further questions?
A toll free hotline is essential because you can ask a representative for information or get answers that you need conveniently and immediately. A dental plan provider with a dedicated hotline is a clear indication that the company is serious on providing round the clock service with its clientele.
Five: Is there a list of neighbourhood service providers available in my local area?
This is an important question because knowing how many participating local dentists are in their network; the better it is for you. Request for a list of providers and check. Always go for dental plans that provide an extensive list of local dentists in your area, it will save you a lot of time when making an appointment and gives you a lot of options.
Six: Which dental procedures are covered by the plan? Can I get a fee schedule print out?
Naturally, you want to go for dental plan providers which can give you for bang for your bucks. Request for a list of procedures and treatments indicating how much discounts you may avail from each service and ask for a print out so you can compare their services from other dental plan companies.
Seven: Does the company use dental maintenance groups or do they have their own proprietary network of service providers?
Again, just to make sure that you are doing business with a legitimate dental plan company, it’s best to find out if they use any dental maintenance organization or if they have their respective proprietary network of dentists.
Eight: Are there any perks available on your dental plan? Do I qualify for a prescription card or discounts on vision care and chiropractic treatment?
While all dental plan companies have various sets of discounts and free services available on their plans, it’s best to ask if there are any value added services that you can enjoy. Note that not all dental plans are created equal. Some dental plans do not provide freebies and bonuses while others do so it’s best to study each plans and compare.
Always remember that a good dental plan must provide the following qualities:
-No limits or restrictions whatsoever in terms of times of visits or services. -Can provide dental treatments that will save members significant amount of savings. -Will provide discounts or some degree of coverage for orthodontics and cosmetic dentistry. -Have a wide selection of service providers to choose from
Once you have successfully chosen the discount plan of your choice, be sure to make an appointment with your chosen dental plan provider.