It is sometimes not preposterous to think that despite the expansion of the coverage of Medicare, dental care still remains largely not expansive. While we are mostly freed from shouldering the costs of drugs we needed, we still have to shoulder most of the expenses of our dental care. Considering the fact that dental expenses are not that cheap, most of us are definitely limited if not barred from availing of regular dental checkups and care. The sad fact that almost a third of the US citizenry fails to get the needed regular dental care attests to the fact that dental care is indeed lagging behind as compared to Medicare. Adding insult to the injury is the fact that even if one can afford to avail of a dental insurance, one is sometimes thwarted in one’s desire for an extensive dental coverage because the insurance itself is limited in its coverage and has maximum cap. Yet, since we have limited choices, we are forced to avail of these non-comprehensive insurance plans.
Questions to Ask when Selecting a Dental Plan
We care for our teeth and hence we try selecting the best insurance, thinking that there are indeed best and better dental insurance. Yes, there may be better dental insurance, and the succeeding questions may help you narrow down your options so that you can zero in on the best dental insurance.
• Can I choose my own dentists with this plan?
• What is the coverage of the dental plan?
• Does the plan provide for emergency treatment?
• What specific dental care is covered?
There are other questions you can ask before you zero in on a particular plan, and the important thing is that you clearly know what to expect and get from your plan.
Is Dental Discount Plan Beating Dental Insurance?
Nowadays, there is so much buzz about whether dental discount plan is already beating dental insurance. I guess the answer to that question is quite obvious—that dental discount plan is giving dental insurance a hell of a competition. Dental discount plans are obviously not insurance: however, these dental plan solutions give people good alternatives with regards to how they could minimize their dental care expenses. Aetna and UnitedHealthcare have already rolled out good individual plans. Hence, the nationwide visibility of discount dental plans is becoming more obvious.
A dental discount plan would certainly allow you to lower the cost of your dental care. It provides discount up to 60% for any of your dental care expenses. Say, for instance, if you want a root canal which would usually cost around a thousand dollars, if you have a dental discount plan, you can get a discount of around $300 to $500 for root canal procedure. Moreover, even if your problem is already a pre-existing condition before you have availed of the plan, you are still entitled to the benefits stipulated in your plan if ever you want to remedy your pre-existing dental problem.
There are pros and cons with regards to dental insurance and dental discount plan. Some financial experts would prefer that you have dental insurance instead of dental discount plan. Others would readily suggest that dental discount plan is better than that of dental insurance. Yet, in the last analysis, it still boils down to what you deem preferable for your dental care need.