Discounted Dental Plans - Are These A Good Deal Or A Scam

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Discounted Dental Plans - Are These A Good Deal
Or A Scam?

• That seems to be what the public really wants to
  know. After all, if discounted dental plans are
  such a "great" deal, then what exactly is the
  purpose of dental insurance? Let's take a look at
  both of these dental plans and see if we can make
  some sense of this mess.

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Dental Insurance

• Dental insurance was designed to provide dental
  protection for individuals, families and groups.
  The main benefit of these plans is that you could
  see a dentist every six months and it would
  either be paid for as part of the policy premium
  or you would pay a substantial discount.
• In many cases, you would have to pay for the
  checkup and then your insurance company would
  reimburse you.

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• Insurance companies encourage you to visit the
  dentist on a regular schedule because you could
  catch things before they became a major problem
  that required more costly procedures. This isn't
  always the case anymore.

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• Dental insurance does not pay as much as it used
  to for dental procedures.
• As a matter of fact, dental insurance doesn't pay
  for pre-existing conditions at all. This means
  that if you have a broken tooth that must be
  repaired and you buy a dental insurance policy
  looking to get it fixed, you can expect a big
  surprise when you get to the dentist's office and
  they ask you if you would like to pay in cash or
  put the procedure on your credit card.

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• In most cases, dental insurance has a twelve
  month waiting period before you can be seen for
  pre-existing conditions. Also, you can still
  expect to pay for most of the visit out of pocket
  as the insurance policy will only cover a
  percentage of the procedure.

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Discounted dental plans

• These are exactly what they say they are,
  discounted dental plans, not insurance. These
  plans have their pros and cons, just like dental
  insurance. However, the good really does outweigh
  the bad here as long as you prepare yourself for
  each visit to the dentist.

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This is how a discount plan works..

• You join the plan for a small monthly fee and you
  may then see any dentist in their network. These
  are NOT "horse doctors" either. They are fully
  qualified dentists that are just like any other
  dentist you've ever seen. As a matter of fact,
  your family dentist, if you have one, may already
  be a member.

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• Dentists love discount plans because they get
  cash on the spot and don't have to wait on their
  payment for up to forty five days to be paid from
  an insurance company.
• Also, membership has its benefits and these
  dentists, as a large group, can also save money
  on different things that they need for their
  businesses such as equipment, ect. Large numbers
  means buying power.

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• The only drawback to the discounted dental plans
  is the fact that you must have cash to pay the
  discounted fees at the time of your appointment.
  However, if you prepare in advance, so that you
  have the money set aside, then a discounted
  dental plan may be a great option for you.

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