Three Big Reasons Why Dental Insurance Is Not A Good Deal

There are some insurance agents out there gritting their teeth and shaking in their boots right now, but I don’t care. It’s time everyone knew the truth about dental insurance plans. You see, most people are under the impression that they can put off seeing a dentist until they feel that it’s absolutely necessary and then they’ll be able to call up their insurance agent, grab a new dental insurance policy, see the dentist, file the claim and live happily ever after. Is this what you think? Have you been deceived too? Don’t feel bad because most people have been. Here are three reasons that dental insurance is not a good deal.

#1. Dental insurance is no different than any other type of insurance. It does not cover anything that is considered to be pre-existing at the time that you bought the policy. This means that if you buy an insurance policy today, see a dentist and get your teeth worked on that your claim will be denied and you’ll have to pay 100% of the costs, unless it’s an appointment for basic care, such as cleaning, but even then you’ll have to pay your annual deductible and co-pay.

#2. Cosmetic dentistry, such as teeth whitening, dentures, orthodontics and other dentistry that has to do with improving your personal appearance, is not covered in a standard insurance policy. Teeth whitening may seem like a luxury, but not having any dentures to chew your food with is a problem for many individuals, especially many of our seniors who can’t possibly pay full price for them.

What about braces for a child that desperately needs them , but their parents are on a limited budget? In order to have any type of expensive orthodontics care covered you would have to buy an expensive policy called “orthodontics insurance”. These plans are limited and most still won’t pay more than 50% of the costs. You’ll still be responsible for your deductible and co-pay also. Are you beginning to see my point?

#3. Here is the big kicker. Most dental insurance plans will only pay an annual maximum of $1000-$2000.00. In other words, after you’ve paid up your annual deductible for the year you can only expect to get $1000-$2000.00 worth of assistance from your insurance company, after that you’ll be paying 100% of the costs yourself. Many people pay thousands of dollars into their policies over the years without ever having to use them to this extent and then get the news when they need the dental care most. I’m telling you right now that dental insurance is not the way to go for dental care.

If you need to buy a dental plan for an individual or family, your best, most reliable option is to buy a discount dental plan instead of insurance. Discount plans simply offer big discounts on both preventive care and major dental, including pre-existing conditions, dentures, braces and more. You simply need to visit a participating dentist anywhere in the USA and pay them in full at the time of your visit. You will save as much as 60% when you visit the dentist and the costs will be predetermined before the work is ever done, so you don’t get any hidden surprises.

Don’t waste your money on dental insurance anymore. Do a bit of research and you’ll know that what I’m saying is a fact, not fiction. After you do that grab a discount dental plan and start saving money.

Don't Have Dental Insurance? Find Out What You Can Do To Get Cheap Or Free Oral Health Care Today!

Everyone wants to be able to keep their teeth and gums healthy, but often times it is a challenge due to the expensive costs of dental care. It is estimated that over 100 million people in the US are currently without dental insurance. And with the economy in its current state, that number continues to rise. Many people are now seeking free or low cost dental treatments because they either do not currently have dental coverage, the insurance they have does not cover the procedure (s) they need, or they have low income. While it may seem like there is no where to turn for those in such situations, it is definitely possible to find places that offer cheap or free dental care. You just need to be informed on where and what to look for.

The first recommendation for poor or low income individuals who do not have dental insurance is to contact their local or state health department and request a list of clinics who provide care to patients who are in need of financial help. Inquire about whether or not your area currently has programs available that helps pay for dental costs. In addition be sure to ask whether or not there are local private dental practices that provide services for free for those in need. Once you get sufficient information, start calling up places until you are able to find several dental clinics that will provide you with free or low cost services. It will then be up to you to narrow down and choose who you want to work with.

Once you decide the dental clinic you are going to work with, you will be required to fill out some paperwork. Be prepared to provide all personal information such as financial information, tax returns, pay stubs, and other things of that nature.