In the past, people that needed dental coverage had to rely on obtaining a plan from their employer. Thanks to dental plans available online and though medical providers consumers now have a choice of what plans to choose. This allows you to format a dental plan to fit your needs and your finances – making dental treatments a practical and affordable option.
Dental plans differ from dental insurance in that you are able to format a plan based on your needs – ensuring that you don’t have to pay costly fees or premiums if your teeth are perfectly healthy. Discounts can range from 15 to 50 percent and are available through numerous dentists throughout the U.S. Here is a list of some common plans and what they cover.
Basic Individual Plan: If your teeth are in good health, a basic dental plan may be best for you. These plans usually include a premium and cover dental check-ups, cleanings and x-rays. If you end up having a cavity or require dental surgery, you will have to pay a portion of the required costs. Through these plans you also have no initial deductible or a lengthy approval/waiting period.
Family Plans: A bit more costly, these plans cover every member your family, which includes coverage for pediatric dentists and orthodontists. These plans not only cover general dental examinations, fluoride treatments and cleanings but they also cover a portion of the costs for braces, root canals, extractions, filings, crowns, bridges, dentures and gum surgery.
Business and Group Plans: Some employees opt for dental plans to cover a portion of their employee’s dental expenses. This is generally open to any procedure where any surgeries or dental treatments are covered – within a set amount.
Remember your oral health indicates aspects of your overall health. If you overlook your dental issues, you will have to pay for it in more ways than one.