Traditional Dental Insurance vs. Dental Discount Plans

Discount Health Care or Traditional Insurance?

In the world of discount health care, dental care is at the top of the popularity list. Why? Traditional dental insurance has been an area of contention for many people. If you're able to actually obtain dental insurance, there are multiple hitches that make the insurance less than desirable. First, for many, dental insurance doesn't insure very much. With its high monthly premiums and deductibles, annual maximums, and limitations and exclusions on services, dental insurance can be more of a hassle than a help. And tedious claim forms are just another annoyance.

Therefore, when discount health care was offered in the form of dental discount plans, Americans quickly embraced the option. This was a big step in dental care, especially when you consider that 70% of Americans don't have dental insurance or the ability to pay for full-price dental care out of pocket. Discount dental plans apply to a variety of dental care options including routine cleanings, filings, and root canals. And unlike traditional dental insurance that requires a deductible be met before costs are covered, discount plans provide immediate discounts based on lower, negotiated rates. Discount dental health care programs often boast:

• No monthly premiums, annual limits, waiting periods, or paperwork
• No limitations or exclusions on covered services, including pre-existing health conditions, orthodontics, cosmetic dentistry, and more.

Dental discount health care programs are growing in popularity with the general population and health care providers alike. Some basic research will allow you to determine what option is the best fit for you and your family.

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