Insurance for your teeth is a funny thought when you consider you are not protecting yourself from any liability. I mean no one is going to sue you because they were injured by your teeth. Well I take that back, someone could be injured by your teeth and sue you but your dental insurance would not protect you. So what most people want from their dental insurance is a reduction in the cost of their dental care. With that in mind, dental insurance may not be the best way to go about lowering your dental bills. If you currently have dental insurance add up what you have spent on monthly premiums for a year. It costs you that much just to have dental insurance for the year even if you don’t visit the dentist one time. Next if you went to the dentist add up your co-pay or the portion you were responsible for. Remember dental insurance doesn’t mean you walk out of the dentist office without a bill. The number can be staggering. It is not uncommon for the premiums of a family dental plan to be as high as $120 a month. That is well over $1,400 a year.Now let’s say you’re a relatively healthy family and you had no dental accidents like a broken or chipped tooth, and no cavities. You all went to the dentist twice during the year for a cleaning and check up. Would you expect to pay over $1,400 for that? Or maybe you are a family or an individual that needs some dental work. Maybe someone in the family needs braces and cavities are not uncommon. Perform the same exercise and add up your premiums and the portion of the bill you are responsible for. Then look at what it would have cost had you just paid the dentist at each visit with no insurance. Don’t misunderstand me there is a time and place for dental insurance, there are situations where you should have it and it will save you money. However, it is not the best option for everyone. For those people whom insurance just isn’t a good match, or for those who just can’t afford the high premiums, there is an alternative. I will show you a way to significantly lower your dental bill without insurance.
This alternative is not a secret; in fact it is becoming more popular each year. There are millions of Americans across the nation getting dental care including cosmetic procedures and oral surgery at huge discounts. Recently ABC’s Good Morning America featured a story on this increasingly popular alternative to dental insurance. You may hear it referred to as a “discount dental plan”, and that’s exactly what it is. Think about this, the only reason you would have dental insurance is to save money. The facts are it doesn’t always do that. That’s why so many people are switching to discount dental plans. Look at some of the features and benefits of a discount dental plan.• Low monthly fee, $19.95 covers the entire family
• No long – term contract
• No paper work
• No waiting period
• No limit on visits
• On going dental problems accepted
It is easy to see why discount dental plans are becoming so popular. They are very user friendly, no paper work, no long – term contract, and no limit on the number of visits and the price is a fraction of insurance. Some discount dental plans give their customers even more value by including at no additional cost, savings on other health benefits such as vision care and prescription medicine.
In a world where things are becoming more expensive and complicated it’s nice to know access to quality dental care is actually getting less expensive and simpler.