Oral hygiene and care are the foundation of good health. Families with dental insurance are far more likely to seek routine oral hygiene services from a dentist than families without dental insurance. I have never met anyone who enjoyed going to the dentist, yet nearly everyone wants affordable dental insurance. Let’s examine the three most common types of dental plans and where to get a quote. The three most common types of dental plans are Discount Dental Plans, PPO Dental Insurance Policies and the oldest type of coverage, Indemnity Dental Insurance Policies.
Dental discount plans are just as the names suggests. For every service provided by the dentist you get the corresponding discount and then must pay the remaining balance. These plans always have a preferred provider directory you must use to receive covered services. Discount dental plans are an excellent choice because they offer verifiable discounted prices and allow the policy owner to know the cost associated with the various types of treatments. The discounts will vary with each dental insurance company, so it is important to compare multiple dental insurance carriers when considering these plans. To compare up to thirty different dental discount plans in your area
click here and type in your zip code and hit enter. This tool will allow you to see the benefits, costs and compare all the dental discount plans available in your area. Here you can even check to see witch plan your dentist is on, then apply for coverage. To increase savings you can combine your dental discount plan with an indemnity dental insurance policy.
PPO dental insurance policies are the Cadillac of dental insurance plans. They are similar to health insurance policies in that they have annual deductibles and then pay a percentage (up to 50%) of covered services up to an annual maximum. These plans always require the use of their preferred provider organization. PPO dental plans are one of the most sought after employer benefits by the majority of job seekers. They are hard to find as personal insurance policies. I have found a place that offers some very generous plans nationwide. Click here to find affordable dental plans.
Indemnity dental insurance policies allow the insured to receive treatment with any licensed dental provider. These policies pay a specific dollar amount (up to a pre- determined annual maximum) for each covered service and reimburse the funds directly to the insured or at the insured direction can be sent directly to the provider. Depending on the dentist used, the holder of one of these policies usually pays the dentist office directly and gets a reimbursement from the insurance company. If the dentist allows for balance billing they will send a bill after they have received funds from the insurance company. When pared up with a discount plan these policies can be the most cost effective.
Click here to get a quote for a dental indemnity plan
Regardless of your income you will be able to find an affordable dental insurance plan for yourself and your family with one of these generous dental insurance plans.
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