Dental Discount Plan and Dental Insurance
Many people are cajoled into thinking that dental insurance is indeed a good idea when it comes to minimizing their dental care expenses. They may be right in such a way that dental insurance and professional dental coverage can greatly diminish the costs of their dental care by as much as 20 to 40 percent. Yet, there seem to be a problem with dental insurance as attested by many who avail of it, considering the fact that the coverage of dental insurance still remains relatively poor and less comprehensive. Hence, some financial experts would readily suggest that instead of availing of dental insurance, it would be good to consider a good alternative—that of the dental discount plan.
What is it in the dental discount plan that makes some financial advisors to readily suggest that it may be a good alternative to dental insurance? There are reasons and some of these reasons are indeed plausible and may convince you to favor dental discount plan. So let us make a comparative analysis of these two viable dental care options, and let us decide on our own whether dental discount plan can give those insurance companies a run for their money.
Dental Discount Plan versus Dental Insurance
Dental insurance has already been here for a very long time, and it seems that it already has a strong foothold among those who really care for their dental health. Yet, a closer look at what dental insurance offers will somehow make us think twice about shifting to dental discount plan. On the one hand, dental insurance does not cover pre-existing conditions. Hence, if you have a pre-existing dental problem, the insurance will not cover it. Likewise, it has a 6 to 12 months waiting period. It also requires high premiums, and it is maintenance oriented. Although dental insurance can chip away from the total cost of dental work, it is still not enough to lessen the total amount of dental work. You still have to dig deep into your pocket to pay for the percentage that is not covered by the insurance. The premiums for some dental insurance are around $150. Hence, combined with Medicare expenses, dental insurance will be very much burdensome for most people, and eventually, many people will find it hard to afford it. Additionally, it doesn’t cover the total amount of dental work, and hence, you still have to shoulder some of the cost of dental works.
On the other hand, dental discount insurance is less expensive than dental insurance. Although not an insurance, it can be a good alternative to dental insurance. It covers pre-existing dental conditions, and it doesn’t have any waiting period, limitations, exclusions, and age limits. It is more affordable than the dental insurance, and the discount you can get for every dental work may range from 10% to 60%. Hence, some financial advisers would readily suggest that the dental discount plan is a good alternative to dental insurance. Yet, there are still staunch advocates of dental insurance, and one can never really play down the value of a good dental coverage. But right now, many people believe that dental insurance is largely ineffective in assuaging and limiting dental costs.