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Saving Big with Dental Plans
from: Paul Sanford Copyright 2005 Paul Sanford
The pain is all but unbearable at this point and you are going to have to see the dentist. But, they did it again, didn’t they? Your employer has once more resorted to changing carriers in your dental insurance and now you are stuck with less coverage, higher deductibles, and reduced benefits. Unfortunately, you have already exceeded the maximum allotment for your dental hygiene this year and you don’t even want to know how much it is going to cost you out-of-pocket to get that tooth taken care of properly, do you? Maybe you don’t have dental insurance which is all the more reason for you to read on because one way or another, those teeth need to be taken care of now!!
Maybe you are thinking that a dental plan is the last thing you need with all the other things flying at you every day in this fast-paced world. But nothing could be further from the truth! People clip coupons just to save a few pennies on a jar of peanut butter but a dental plan could save them hundreds of dollars over the course of a year! But how does a dental plan work? Isn’t it the same thing as dental insurance?
A dental plan is membership based but unlike dental insurance which usually requires a monthly deduction from your paycheck, there is only a one-time fee for year round savings. Any dental plan has a list of participating dentists that you can go to for services but unlike dental insurance where you are often limited to dentists in your zip code, you can see any participating dentist and receive the discounts—anywhere! And while most dental insurance covers nearly all preventative procedures, they limit disbursements on many of the treatments that most of us in the “real world” really need like fillings, extractions, root canals, dentures, and even crowns! Why should cutbacks in your employer’s plan mean cutbacks in the amount of care your teeth really need? After paying the annual fee and depending on the plan you choose, a dental plan can save you anywhere from 10-60% on the procedures you need now! Whether you have dental insurance that has been cutback to the point of almost being useless or even if you are paying for everything out-of-pocket, a dental plan is the only way to go to receive top-notch care but at reduced costs! It is NOT a question of whether a dental plan is right for you but only a question of which plan is best for you and your needs!
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