Maintaining good oral health,The New Healthcare – Discount Benefit Plans ! Articles as well as correcting dental problems, is essential to a healthy lifestyle. However, a growing number of Americans are finding themselves without effective dental coverage to treat and maintain their dental health needs. This is due in part to businesses increasingly cutting back on dental benefits for their employees. As a result, people have started looking online to explore their dental benefit options.
The main question people are asking is, “What’s the difference between Dental Insurance and Discount Dental Plans?” There are distinct differences between the way “traditional dental insurance plans” and “discount dental plans” work. As a general rule, dental insurance is utilized by large groups and businesses to cover their employee’s dental care. Dental insurance requires paying monthly premiums for defined coverage. Dental insurance is not readily accessible to individuals and families, unless provided by their employer.
Some drawbacks of dental insurance include annual spending maximums, deductibles, waiting periods for certain procedures, and Dental and Oral Care limitations and exclusions on care. There are also tedious claims forms to fill out and submit. Dental insurance usually covers the cost of preventive services (such as cleanings and exams) only after deductibles are met. Annual deductibles vary from $25 to $50 per covered individual, depending on the policy. The cost of deductibles should be considered when calculating the overall costs associated with dental insurance. While you are able to use any dentist, 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, on the other hand, are available for the millions of Americans that do not receive dental benefits through their work or business. Discount dental plans are designed to provide consumers access to dental networks at reduced rates. These plans, are commonly known as “referral” or “reduced fee” plans, and are not considered an insured dental plan.