Traditional insurance you submit an application and will have to be approved, if approved you will pay a monthly premium, which can cost hundreds of dollars each month. Most dental insurance plans have a waiting period that means even though you are paying your monthly premiums you cannot use the plan until the waiting period is over, the waiting periods can be from any number of days up to several months or longer depending on the company. Once you begin using your plan usually there is a deductible that you will have to meet before the plan will begin paying on benefits. Most plans have a limit on the dollar amount you are allowed each calendar year after you reach that limit you will then pay out of pocket for any other procedures.
Some plans offer annual dental cleanings at no cost or very low cost, but after you’ve paid the monthly premium, & deductible is that annual cleaning really free?
In today’s economy many employers are no longer offering group dental insurance leaving families and individuals to get their own policies which can be costly. In the US seven out of ten people do not receive the dental care they need. Continue reading ‘Insurance Verses Discount Program – Which One is Right For You?’ »