The term “hard-times” does not quite fit the bill when it comes to describing the current state of the national economy. In just the last two years, the national job market has seen an increase in unemployment from 5% in December of 2007 to 10% in December 2009. The number of jobs lost over those 2 years is around 7 million, but continues to rise.
One of the more devastating outcomes of the economic condition is that the demands of life don’t go on vacation. As more and more people struggle to make ends meet, there is a push to cut out or even abandon various facets of life that are deemed as non-essentials to their current well being. Unfortunately, routine oral care is one of those.
According to a recent poll in June 2009, 35% of those surveyed said they or another member of their household skipped dentist visits or checkups due to cost. Most likely, this number has increased dramatically in the last several months. So, is there no way to continue having necessary oral work done even in an economy like this? Are there any affordable options available?
Many people have been turning to what is called a dental discount plan. A dental discount plan differs from traditional insurance policies in some significant ways, but the differences are definite positives for anyone looking for a more affordable alternative to expensive insurance. With a dental discount plan, the waiting period to be seen for service is substantially less. Some plans have no waiting period at all!
Traditional coverage usually has an annual maximum that will only cover those under the plan for a certain amount of work each year. A dental discount plan has no annual maximum, nor do they have frequencies that limit a certain number of procedures that can be done in a given year.
When you use a dental discount plan, there are no co-pay forms or reimbursement policies to be followed. Dental discount plans work off of contracted fee schedules where the prices for covered procedures have already been negotiated.
Sound easy? That’s because dental discount plans really are that simple. The goal is to save as much money as possible on dental work without the monthly fee for the coverage being a burden on your finances.
So, to answer the above question, there is an affordable alternative to traditional dental coverage. There is no need to neglect necessary dental care when options like discount dental plans exist. Do some research, find what is available, and get ready to save!