Difference Between Dental Insurance and Discount Dental Plan

Discount dental plan is an affordable option for traditional dental insurance in number of ways, the question here comes how would a person can select which one among is the better option to go for. So, here we take a look at the differences between the two dental plans, and that will help out to select the best one.

Dental insurance

Dental insurance is the very first choice for a person going to opt for the dental care procedure,
The very first thought that comes to ones mind, going to opt for the dental care cover is dental insurance; it is the traditional method to get cover over all your dental care procedures.

Dental insurance provides you with the dental care cover costs reimbursement, by the help of dental insurance you will get back your dental care expenses, but here are few conditions or criteria to opt dental insurance for your complete dental care procedure, dental insurance have no provision for the cover for the peoples of old age, here you will not be able to enjoy cover for the peoples having any pre-existing dental problem.

Another drawback for the dental insurance is that, you have to under go pre-medical certification tests as a proof for any pre-existing dental care problem. You have to fill number of confusing forms, to get your dental care costs returned.

Dental insurance is best for regular preventive care as teeth cleaning, fluoride treatments etc. but if a person is thinking for buying dental insurance to cover for the root canal, that you require immediately, then you’ll feel regret.

Discount Dental Plans

Discount dental plan as the name suggest is not insurance plan, discount dental plan offers discounts over all the dental care treatments, here you will get discounts between 10% to 60% on all your dental care process, be it preventive or intense dental care procedures, it covers for all major dental works such as dentures, bridges, braces, root canals and more. Here, in dental discount plan you will be provided with discounts on your complete dental procedures, at the time of paying your dentists, here you have to show your membership card and you will benefited by discounts over your complete dental care procedures.

You will enjoy with discount dental plan, available for all the dental care procedures and for all the peoples though suffering from pre-existing dental problem. Here, there is no need to fill confusing forms, or there is no need to fill claims to get your dental care costs returned.

Discount dental plan provides covers for all kinds of dental care procedure, be it preventive or intense, such as root canal, denture, cleaning, teeth whitening, braces etc it also provides covers for the cosmetic dentistry treatments. Discount dental plans are an inexpensive and easy-to-use option for dental insurance, and offers plan members with important savings on all the dental procedures.

Here, we have gone through all the important points of dental insurance and discount dental plan, so it will be easy for all of you to decide which plan is more beneficial and appropriate for the dental care of yourself and for your family.

Dental Plans For Great Dental Care

People often do not pay as much attention to their dental health as they do to other illnesses, often with serious consequences. To keep dental diseases at bay and to meet the rising costs of dental treatment it is important that you choose a good dental plan. Having a dental plan should encourage you to take more preventive care of your teeth to avoid the more serious dental problems.

With medical insurance services, the cost of a particular medical treatment or health check is reimbursed directly by the insurance company to the medical service provider. With dental insurance plans, the company is responsible for reimbursing the dentist. Dental plans can however vary in type and feature. Dentists participating in discount dental plans take lower fees than those covered by regular dental plans, with discounts varying between 20% and 60%.

All dental plans charge a membership fee, with the amount varying from one plan to the other. Dental plans are offered to either individuals or to the whole family, with family dental plans usually offering bigger discounts than individual dental plans. You should compare the rates charged under the different plans before selecting the most appropriate one for you.

It is important also to know the type of dental services covered by your dental plan. Routine dental check ups and dental treatments such as oral examination, teeth cleaning, fluoride treatment, teeth filling and teeth extraction are generally covered by most dental plans. However, dental plans do not always cover major dental care treatments such as oral surgery, dental implants, restorative care, braces, root canal treatments etc. In case of such costly dental procedures you unfortunately have to foot the bill yourself. Often there are a number of alternative treatments available for certain dental problems. Under such circumstances dental plans allow reimbursement for the cost of the basic dental treatment, and further costs in excess of the basic treatment cost has to be covered by the patient.

Dental health plans may or may not allow you to choose your own dentist, but it is common practice for patients to generally receive dental care from dentists mentioned in the plan. Before choosing a plan make sure that the participating dentists practice in your area. Choose a plan that is accepted nationwide and not restricted to your state. Check whether you are allowed to visit the dentist unscheduled, or at scheduled hours only.

You also need to decide whether you want an annual plan or a monthly plan. Annual dental plans are more cost beneficial than monthly plans. So get regular check ups with your dentist to reap the maximum benefits out of your dental plan.

Features of Medicare Dental Plans

Medicare is a unique health insurance plan which covers various health care medical checkups and treatments including dental problems. Medicare is highly beneficial for patients undergoing various treatments either from hospitals or at homes. There are different types of medicare plans and the purchasers are required to conduct researches regarding the coverage and premiums of these plans before choosing them. The coverage is in the form of financial assistance which is paid after analyzing the medical reports from the concerned doctors. As per medicare plans the coverage offered to dental procedures are very limited. This will not include either routine dental checkups or common dental care treatments.

Medicare and dental procedures: – In general, medicare does not cover the usual dental caring like teeth cleaning, cavity filling, dental extractions, implantations, crowning etc. But certain other dental health care policies cover routine dental treatments and checkups. In ordinary health care plans, dental care also will be taken up if certified by the physician as necessary along with other ailments. In addition, there are medicare dental coverages at reduced cost for the convenience of patients. Of late, basic dental care treatments such as yearly dental checkup and teeth cleaning are included in the medicare coverages. As per this plan, once in a year, the dental patients are charged only at 50 % for one cavity filling, one root canal treatment and crown repairs. The medical savings account as per the medicare plan is another alternative to cover the dental expenses. The deposit to this account is made from the medicare account of the policy holder.

Occasions when medicare covers dental services

1) During kidney transplant or heart valve replacement surgeries, if a patient requires dental treatment, the same will be covered by the medicare policy.

2) If a patient having dental problems has to undergo jaw surgery, the medicare policy holder will be compensated for both the treatments.

3) During accidents, if gum and dentals are damaged, the cost of treatments required will be met by the medicare.

4) After tooth extraction certain patients may be affected by infections. The expenses for such treatments will be paid as per the coverage.

5) If patients suffering from major ailments require dental extraction or surgeries as per the clinical observation, the cost of the same will be covered by the respective medicare policies.

6) Senior citizens of the nation are offered medicare coverage at reduced cost, or free of cost according to circumstances.

Medicare dental plans do not cover the routine dental checkups and common dental treatments. They are covered only if these treatments are inevitable as a part of treating other major ailments. In accidents, the cost of treating the damaged teeth, gums and jaws are met by the existing coverage along with other treatments. In general, the medicare dental plans are inadequate for satisfying the common requirements of dental patients. Hence, it is high time to modify the dental plans offered by medicare.

Dental Plans 101 – Types of Dental Health Plans

Everyone needs dental care. Unfortunately, not everyone is aware that there is a variety of ways to get quality oral care at a cost that won’t completely deplete anyone’s savings. Before settling for a costly dental insurance, know that there are options you can take advantage of and these options can not only save you money, it can also provide quality dental health plans to you and your family.

If you are seeking for alternative ways to purchase great yet low cost oral plans other than availing traditional dental insurance, consider the following non-dental insurance options:

Dental Discount Plans

A discount dental plan is one of the best ways to pay your dentist for any oral procedures at extremely low cost. Note that dental discount plan is not a dental insurance plan. Rather, this low cost dental health plan allows members to avail discounted dental health care on various treatments and services.

Unlike traditional dental insurance where specific coverage are indicated and significant treatments are left out, discount dental plans offer a wide variety of discounts on various oral procedures at a fraction of the cost.

To give an example, say you visited your local dentist and the off street fee for each visit and cleaning costs about $100. If you avail of a discount dental plan, you can automatically slash off 20% from your dental expenses. Instead of paying $100 for each visit, you will only pay about $80, getting a 20% discount on procedures and services. That’s a lot of savings especially since dental treatments and services nowadays are dizzyingly expensive.

This type of dental health plan normally requires members to pay an enrollment fee and a monthly fee to the dental discount plan provider. However, the fees you will pay on this type of plan is far less than what you will have to pay for a dental insurance. Additionally, purchasing an average dental insurance plan means that your dentist choices will be limited to the dentist in your area that accept your insurance provider’s services. Dental health plans such as discount dental plan, on the other hand, gives you a wide variety of dentists to choose from.

Dental Reimbursement Plans

This type of dental plan is a type of agreement between an employer and an employee. Dental reimbursement plan allows the employee to pay for the dental care expenses, collect receipts and then ask for reimbursements from the employer on a specified limit, usually ranging from $500-$1000 per year.

The great thing about this type of plan is that neither party has to worry about paying monthly premiums to an insurance company or has to deal with limited choices in dentists.

If certain individuals find this arrangement appealing, all they need to do is to ask their employer about setting up a dental reimbursement plan.

Whichever dental plan you choose, it’s best to look at the facts first and determine your own needs and budget before you purchase any type of health plans. Most importantly, know that regular check-ups and exercising preventive measures can help you save tons of money on expensive dental procedures in the future.

Is An Expensive Dental Plan Better Than A Discount One?

When it comes to selecting a dental plan, quality is of utmost importance. As our oral hygiene is so important to the maintenance of overall health and our enjoyment of life, making sure that we have a good plan should be a top priority to individuals and families everywhere.

One of the questions that many people ask when shopping around for dental plans is whether expensive insurance is better than a discount dental plan. The answer to this question is complex and depends on a number of different factors.

The first thing to remember is that price is not the most important thing when it comes to selecting a dental plan, and that there are many other factors that must be taken into consideration before making a choice of insurance plan and service provider. Whether a discount dental plan or a premium one, different services have their own advantages and disadvantages.

One thing to bear in mind is that many of the lower cost options on the market put greater emphasis on preventative care when it comes to oral health. This can be, in fact, a very good thing. As many mouth problems such as tooth decay and tooth loss can be largely prevented by having good oral hygiene, this kind of dental plan can be extremely beneficial.

Some of the most reputable providers of discount dental plans will offer unlimited dental visits on their plan, without the need for any supplementary payments. They are also likely to offer very good prices for routine dental visits.

These types of plans can be suited to those who already have very good oral health, young families who want to give their children the best chance of having good oral health from a very young age, and those who do not foresee the need for many major treatments in the coming months and years.

Some of the premium plans, however, can ask for a larger investment of money upfront, but actually focus on a wider range of services, including more complex, costly and time consuming treatments. Although they are more expensive on a month to month basis, they may be suitable for those who need a higher level of dental care.

In many cases, the people who decide to invest in these premium plans require more complex treatment on a regular basis, as although the initial insurance investment can be expensive, this can pay itself back very rapidly depending on the terms of the dental plan.

This type of dental plan can include things such as cosmetic dentistry, braces for adults and children, the fitting of crowns and veneers, surgery and much, much more. Although discount dental plans may also include some of these options, the prices may be higher than with all inclusive premium dental plans.

In conclusion, the type of dental plan that you select should not be based on price alone, and it really should be your own oral health requirements that dictate which dental insurance plan is taken out. The first thing to do in this case is seek the advice of an independent dentistry professional, who will be able to estimate what treatments you and your family are likely to need in the coming years.

Once you know your own needs, then you are in a good position to go about selecting a plan. Whether the price tag is low cost or high cost, examine the cover provided by each insurance company and then decide which one is most suited to your particular needs.

As there are hundreds of reputable providers all across the world, this should not be an issue; it will likely be no problem at all to find either a discount or premium provider than meets your needs and fits your budget.