What Is The Change Involving Dental Discount Courses And Traditional Dental Insurance-Do They Save?

Maintaining your oral health is essential to a healthy lifestyle. Most people want to make the commitment to improve their oral health, but have a hard time choosing amongst traditional dental insurance and a dental lower price program.

Therefore it's important to understand how the differences between dental insurance and dental price cut systems can affect you.

Dental insurance policies can be typically characterized by monthly premiums, deductibles and annual maximums while dental price cut http://www.OnDemandDentist.com  applications are designed to be as accessible as possible; they do not share any of the characteristics of dental insurance.

The monthly premiums for typical dental insurance policies may be as much as $50 a month for individuals and in excess of $100 per month for family plans.

As an alternative, dental discount courses are far less expensive. Dental price cut systems start as low as $6.95 per month for individuals, $11.95 per month for couples and $15.95 per month for families. In addition, if you shop around you can find dental low cost plans that include free vision care.

Usually, people using dental insurance must meet a deductible before their dental insurance starts to cover their dental care; when making comparisons it's therefore important to consider the cost of the deductible as one of the overall costs associated with dental insurance.

Annual deductibles typically vary from $50 to $100 per covered individual; it is difficult to put an actual cost on the deductible because it depends on the specific dental insurance policy owned.

Dental lower price programs do not have deductibles. Instead, dental lower price program members pay a membership fee that qualifies them to pay discounted rates at participating dentists at the time services are rendered.

Most dental insurance plans cap the amount of reimbursement to an annual maximum that is typically $1,000 to $1,500 per year. The insured person is then responsible for any costs over and above the annual maximum.

Dental discounted programs do not have annual maximums. Program members are able to use their low cost dental cards as often and as much as they want to. There is absolutely no limit to the amount of money members can save by using their dental low cost program.

People with dental insurance policies often moan about the time-consuming red tape they are forced to face, including the need to provide written claims, exclusions on pre-existing conditions and the excessive waiting periods for major procedures.

As an alternative, easy to use dental lower price packages are designed to save member's time as well as money!

Nearly all dental insurance policies require policyholders to go through a tedious and very time consuming written claims process, every time they have a claim!

There is no such tedious paperwork and hassles for dental low cost cardholders; lower price dental program members simply present their membership card to a participating provider at the time of service to receive their discounts.

Dental insurance plans will often either refuse to cover certain procedures or impose a long waiting period.

If you are considering dental insurance you need to be aware that many dental insurance policies have exclusions on pre-existing conditions and may require up to as much as a 18 month waiting period before paying for any major dental treatment.

As an alternative, dental lower price programs are free of such limitations and become active almost immediately, allowing program members to join and start saving on their dental care as quickly as possible. Further, dental low cost programs offer significant savings on dental specialties, such as orthodontics and teeth whitening, while most dental insurance policies rarely cover such procedures.