In today’s economy, the traditional dental insurance model can be cost prohibitive to businesses, causing them to eliminate dental care from their benefit package. Unfortunately, paying the full cost for dental procedures without any insurance is expensive and cost prohibitive as well. Many people make a decision to forgo dental care or wait until there is an emergent, expensive dental crisis before seeking treatment. However, there is another alternative. Affordable dental insurance plans help reduce the cost of dental care by ten to sixty percent, provide access to a large network of participating dentists, includes such services as root canals, crowns and braces (to name only a few), as well as include discounted dental products. There are not any exclusion clauses for prior dental health conditions and these low cost plans provide excellent individualized customer service.
It is important for an individual or family to find an affordable dental insurance plan that fits their unique needs. There are many discount plans available and it can become very confusing when trying to compare and contrast plans without help. Finding a knowledgeable customer service representative through a reputable insurance broker, will help acquaint each individual with information about available plans locally and nationally. The Internet is an excellent source of information and can easily help consumers find this vital resource. Once a decision is made, signing up for a dental plan is made simple. Once a membership card is printed, individuals and families begin receiving the cost saving discounts for dental health care and products within three days. Discounts and payment are due at the time each service is provided, eliminating the need for unnecessary paperwork.
Six month dental checks and cleanings are recommended for healthy gums and teeth. Using an affordable dental insurance, the discounts allow individuals and families to be able to take advantage of oral preventative care that can prevent more costly procedures later. However, if further dental intervention is necessary, the cost is manageable. Not only are affordable dental plans now providing a large network of participating dentists, orthodontists, oral surgeons and other specialist, but they are also providing membership discounts for dental products.
Affordable dental insurance plans qualify under Section 125 Cafeteria plans and the expenses are taken out before taxes, which provides extra savings. Annual limits of services are non-existent and regardless of how much a member uses their membership card, the discount is always available without question. Yearly renewal allows individuals to re-evaluate their dental needs annually with a customer service representative and either renew or choose a new discount plan.
All the advantages of affordable dental insurance are revolutionizing the way Americans purchase their dental care. Individuals, families and small businesses are better equipped to choose a superior alternative to the traditional dental insurance model. Most important, however, is the access to dental care and good dental health that affordable dental insurance provides.
