Discount Dental Plans
With the rising cost of just about everything nowadays, dental services are no exception. As a result, people have realized the need for dental insurance to prepare themselves for any untoward dental situations that may occur in the future. However, dental insurance is quite costly and offers limited coverages only, which is why many people choose not to avail of them at all. Many of the dental insurance plans also do not cover for pre-existing conditions and cosmetic surgery which are the services that some people need. Fortunately, insurance providers are now offering discount dental plans which are a welcome alternative for people who cannot afford dental insurance.
In fact, discount dental plans are fast becoming the top dental plan choice of companies for their employees. The disadvantage of getting the traditional dental insurance is that the deductibles charged are often too high and the time it takes to process applications can be quite lengthy as well. What is worse is that many insurance providers also enforce annual maximums regardless of coverage necessity on their clients that have led to numerous plan cancellations. However, with the discount dental plan, the greatest benefits that one can enjoy are the discounts on services and selected products. There is also no longer a need to fill out lengthy forms and paper works that usually accompany traditional dental plans. Another advantage is that even if a person has a preexisting condition, he is still entitled to discounts on the dental services that he wants to avail of.
The only disadvantage of opting for discount dental plans is that a person’s choice of dentists is limited. Only dentists who participate in the plan can care for your teeth. This means that a person who has been going to a particular dentist for all his dental needs may have to part with him so he can avail of the benefits that come with the discount dental plan of his choice. In deciding whether to get this plan, it is often advisable that a person first learn of his dental health status before actually applying for it. If the dentist recommends more dental visits, then availing of this plan is a wise choice. On the other hand, if he declares that a person’s dental health is excellent and will only need routine maintenance and check-ups, then it would be better to opt for other plans that will best suit that person’s needs.
Discount dental plans do not need approval and can, in fact, be activated within 48 hours of application. The many benefits of this plan are sometimes not only limited to dental services. Depending on the plan of your choice, a person may also be able to avail of vision services and products on discount, such as eyeglasses and contact lenses. Aside from these, one can also get discounts on hearing aids, nutritional supplements and other medical supplies.
