Dental Plans 101 – Types of Dental Health Plans

Everyone needs dental care. Unfortunately, not everyone is aware that there are several ways to get high-quality oral care at a price that will completely exhaust anyone’s savings. Before settling for an expensive dental insurance plan, know that there are options that you can take advantage of and these options can not only save you money but can also provide you and your family with quality dental health plans.

If you’re looking for alternative ways to purchase great but inexpensive oral plans other than using traditional dental insurance, consider the following non-dental insurance options:

Dental discount plans

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

Unlike traditional dental plans where specific coverage is specified and significant treatments are omitted, discounted dental plans offer a wide range of discounts on various oral procedures at a fraction of the cost.

To give an example, say you visited your local dentist and the cost for each visit and cleaning is about $100. If you use a discounted dental plan, you can automatically deduct 20% of your dental costs. Instead of paying $100 for each visit, you only pay about $80 and get a 20% discount on procedures and services. That’s a lot of savings, especially since dental treatments and services are staggeringly expensive these days.

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 pay for this type of plan are much lower than what you have to pay for dental insurance. In addition, buying an average dental insurance plan means that your dental choices are limited to the dentist in your area who accepts the services of your insurance company. Dental health plans, such as a discounted dental plan, on the other hand, give 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. A dental benefit plan allows the employee to pay for dental care expenses, collect receipts, and then request reimbursements from the employer against a certain limit, usually ranging from $500-$1000 per year.

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

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

Whichever dental plan you choose, it’s best to look at the facts and determine your own needs and budget before purchasing a health plan. Most importantly, know that regular checkups and taking preventative measures can save you tons of money on expensive dental procedures in the future.