Taking care of your teeth can be a difficult and stressful process. Dental procedures are often expensive and sometimes many are needed to complete treatment. If dental insurance isn't provided for you by your employer, it can be tough to come up with payment out-of-pocket.
Under these circumstances, an individual dental plan may greatly improve your situation. Individual dental plans provide significantly discounted prices for procedures that might otherwise be prohibitively expensive. An individual dental plan will alleviate the burden of insurance paperwork, claims, maximums, etc.
1. How much will the plan cost?
For most people, the goal of an individual dental plan is to save money at the dentist. With insurance, a low co-pay is often offset by high monthly premiums. With a discount dental plan you can typically save money at the dentist and have a low monthly fee to pay.
2. What will I pay at the dentist?
This another excellent question because a low monthly rate may mean higher prices at the dentist, but this is not always the case. A plan with many members typically has an easier time providing low monthly rates and excellent discounts at the dentist. The largest dental plan provider in America, Careington Dental, provides a very strong schedule of savings on general dentistry.
3. What will the plan include?
If you have an emergency and need to get to the dentist for a problem you already have you will want to determine if the individual dental plan cover preexisting conditions. Many do! This feature is one of the main reasons people opt for a discount dental plan.
4. How often can I visit the dentist?
Most individual dental plans do not have maximums, meaning that there is no limit to the times they can visit the dentist. This benefit is a primary draw for people who have to visit the dentist frequently.
5. What dentists can I go to?
If you are wanting to go to a specific dentist, you will want to make sure he or she in on the provider list published by the dental plan site. However, if you are willing to try a new dentist, some dental plan providers have extensive nationwide providers.
6. How soon can I see the dentist?
When you need to see the dentist quickly, a waiting period can be the most frustrating thing about signing up for a discount plan. Some individual dental plan providers have a wait of 3 days or more but with others, such as Careington Dental, you can use your discounts immediately. You will definitely want to check out how soon you can get in to see a dentist with any program.
All of these questions are excellent points to know before you sign up. Individual dental plans can really be a help to you and your wallet if you find the best plan available. Finding the best option for you will not only get you the care you need but also the peace of mind you want. See what's available and get started today.