No Dental Insurance?
Find Out What You’re Missing Out On
No dental insurance? Don’t you know you’re missing out on a lot? You are also spending a lot more than you should. If you don’t get dental insurance, you’ll be holding on to luck so that you won’t come across a dental problem.
But if you run out of luck, you might also easily run out of money as a result of paying for your entire dental bills all by yourself. Why make yourself deal with such a burden when you can rely on a dental insurance plan to help you get more affordable dental care?
Getting a dental insurance plan is not just about seeking care for your teeth. It also protects your family’s teeth and overall health, as well as protects your financial assets in times of unexpected and unplanned dental emergencies. So it’s not a waste to get a dental insurance plan.
In fact, dental plans these days offer so many benefits that you won’t regret your decision.
If you Lack Dental Insurance – Must-Have Benefits
- Great discounts on dental care
- Additional savings on other healthcare services
- Access to the top dentists in the country
1. Great discounts on dental care
If you have no dental insurance because you are not yet familiar with the benefits that they offer, well you’re in for a big surprise.
The dental insurance plans available nowadays offer great discounts on most dental care services you will ever need.
Most plans provide discounts ranging between 20% and 80%. Specialist care discounts are around 20% to 25%. You can enjoy these discounts on anything from preventive care (cleanings, x-rays, checkups, sealants) and major dental procedures such as orthodontics, root canals, bridges, extractions, crowns, oral surgery, dental implants, and so on.
The best thing is that you only have to pay very modicum fees to get the discounts. For example, Alliance HealthCard Gold Card charges only $144.95 for individual membership and $199.95 for family membership. These fees are already good for a year. Upon membership, you will be given an ID, which you can just present to get the discounts.
2. Additional savings on other healthcare services
But it’s not just dental health care that these dental plans are concerned about. The dental plans also offer additional discounts on various other health care services.
You can get reduced rates when you seek vision care, hearing care, chiropractic care, and physical therapy. You can even get discounts when you buy prescription drugs or try alternative medicine treatments. Other excellent benefits you can get include discounts for a health club membership and for a Lasik treatment.
3. Access to the top dentists in the country
Aside from that, having no dental insurance will make it hard for you to find the top dentists in the country.
But a dental insurance plan usually already maintains a network consisting of dentists that can be trusted. These dentists are carefully screened and their backgrounds are checked to make sure that the planholders will receive only the maximum level of care from the best dentists.
Some dental insurance providers have managed to form a network consisting of so many dentists to choose from. For example, Cigna now has a network of more than 93,000 dentists, so you can go to any of these dentists and get amazing discounts.
The Plans to Choose From
There are many dental insurance plans that you can avail of these days. This makes ending your no dental insurance problem easier.
You can choose from PPO dental insurance plans, HMO dental insurance plans, and discount dental plans, which are top three most common dental insurance plans around.
The PPO or Preferred Provider Organization plans gives great discounts and allows you to go to any dentist of your choice. You can choose from within the PPO dentist network to get the maximum discounts or you can choose any dentist even outside the network and still get reduced fees.
HMO plans are the anti-thesis of PPO plans. These Health Maintenance Organization plans only give discounts when you go to dentists that are part of the network. Despite this limitation, HMO plans are more affordable.
Lastly, there are discount dental plans. These are membership plans wherein membership entitles you to discounted dental procedures. This is a new solution to your no dental insurance problem.
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