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Dec 21

Discount dental plans vs. dental insurance

There is big difference between discount dental plans and dental insurance as you are about the find out below. Easy to use and more affordable, discount dental plans bring you a lot of benefits and advantages, so you should consider using them as a better alternative to dental insurance. Nevertheless, it would be better to get some life insurance quotes as well, because both these options are plied to each person, and you never know which of them might be more advantageous for you.

If you are looking for great money saving tips, you must consider not only the money that you can save now, but the expenses that you can spare in the future. Everyone knows that going to the dentist is a traumatizing experience, both for you and for your wallet. The first thing you need to understand is that a discount dental plan is a program, not a dental insurance.  Dentists who have joined the program accept a discounted fee from discount dental plan members as payment for the services provided.

In comparison with the dental insurance, discount dental plans offer quick plan activation, no health restrictions, no annual limits, no waiting for dental care, and no paperwork hassles. Moreover, selected discount dental plans offer cosmetic dentistry savings such as teeth whitening, veneers and bonding, as well as vision, hearing and prescription discounts.

Most dental insurances feature annual limits that are generally around $1000 to $1500, so in case your dental care treatments cost more than this limit, you have to pay the difference with a dental insurance plan. The solution to this problem is choosing a discount dental plan, because it has no annual limits and you can use it as often as you need.

In addition, you can use the discount dental plan to reduce your dental care costs after you have reached the annual maximum on your dental insurance plan, because you can have a discount dental plan even if you already have a dental insurance. In fact, in some situations it can be advantageous to have coverage from both sides, so if you can afford it, search for some of those life insurance quotes as well, and see what your options are.

Discount dental plans activate within 3 business days and do not include any health restrictions, so there is no need for you to wait 6 to 18 months to get the dental care you need.  While dental insurance premiums can cost you up to $396 per year, discount dental plans start from $79.95 per year for individuals and $129.95 per year for families.

It is very easy to use a discount dental plan. You only have to print your membership card online then establish an appointment with the participating dentist and present your card in order to beneficiate of the discounts.

A great alternative to dental insurance, discount dental plans brings you many advantages, so seriously consider them if you are looking for great money saving tips, while still getting high-quality services and dental care.


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