Good Dental Insurance Plan
What Makes A Good Dental Plan?
A good dental insurance plan is not hard to identify, though it can get a bit tricky too. You just have to know what to look for.
There are some telltale signs that a good dental plan should have so you can easily spot it.
There are a lot of dental plans out there that claim to be the best in the field, but you should still take time to compare different plans and make your own decision in the matter. Don’t let yourself be convinced merely by claims. T
hus, it really pays to know what you should be keeping an eye out for. Although it may take you some time, make sure to look for a dental plan that offers these three very important factors.
Factors to Build the Quality of a Dental Plan
- Affordable membership rates
- Full coverage
- Special bonus benefits
1. Affordable membership rates
It is important for a dental plan to have, first of all, affordable membership rates.
This is what really differentiates discount plans from the traditional insurance plans, which cost a lot more. Membership rates are pre-determined; they are not subject to an evaluation process during your application. They are also paid in lump sum at the beginning of the year so you don’t have to worry about monthly due dates or changing rates. And since most of the plans charge really low fees anyway, you won’t have any qualms about paying in one lump sum payment anymore.
One of the lowest rates offered is $79.95 per year charged by UNI-CARE 100 discount plan. Despite this really low rate, you already get discounts for most dental care services you’ll need. Affordable rates, or at least rates that you can easily manage, is definitely a must.
2. Full coverage
Also, a discount dental plan should offer full coverage.
There are many discount plans that provide discounts not just on the more basic procedures but also on specialty dental care services. Since you can find several plans with such coverage, don’t settle for anything less.
For preventive care, some plans even offer free cleanings and checkups twice in a full year of membership. Some plans may not offer freebies but cut the prices of such procedures by up to 80%. As for the specialty dental procedures, the best discount you can get is 25%, but this is a bit rare; more plans offer 20% discounts on such procedures. The important thing is that both basic and major procedures are covered.
3. A large network of good dentists
Discount dental plans are not as flexible as PPO dental plans. Discount plans are more exclusive.
Discounts are only given when members of the plan go to dentists who also have a contract with the plan provider. Therefore, it is important for you to find a dental plan that offers a network of dentists that is two things: one, a large network with a lot of dentists to choose from, and two, good dentists you can trust and rely on for high-quality dental care.
How to Identify Good Plans
A good dental insurance plan should also offer special benefits as part of the package.
Some plans offer as many as 9 different special bonuses. One such plan is the Vital Savings plan from Aetna. Aetna is a well-known name in the world of dental plans. It has two different discount dental programs and one of these is the Vital Savings plan.
The Vital Savings plan does not just offer full coverage of dental procedures; it also provides discounts for when you need vision care, hearing care, prescription drugs, physical therapy, chiropractic therapy, and health club membership, and so on.
All in all, there are 9 special bonuses, and these are all part of the package you will get when you pay a single fee for membership. For Vital Savings plan, the fee is $134.95, which is already quite affordable considering all the benefits that you will get. That’s what a good dental insurance plan should be.
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