Oral
health and maintenance of the same is a very important part of a healthy
lifestyle. Prevention and correction of dental problems on time is essential to
stem the damage to one of the most important organs of the human body. Many
people do not realize the importance of maintaining their oral health. Most
Americans who do are without effective dental coverage. This is mainly due to
cutting costs by major businesses effecting employee dental benefits. People who
are used to regular maintenance of dental health are looking at options where
they can get dental benefits. One main question on their minds today is “How
benefits differ between Dental Insurance and Discount Dental Plans?”
Dental
insurance is not available for individuals and families. Is traditionally a
coverage offered by employers to their employees who pay monthly premiums for
fixed coverage. This kind of coverage has drawbacks – ceiling on spending,
deductible or non-reimbursable issues, and waiting periods for certain kind of
dental procedures, limitations and care or disease exclusions. This kind of
coverage also involves submission of claims. Dental Insurance traditionally
covers preventive dental services like cleaning and routine examinations at
100% after deductibles are adjusted (they may vary from $20-$50 annually per
individual). However, the choice of the dentist is up to the individual and
premium is about $30 a month for individuals and $100 a month for families.
Discount
dental plans on the other hand offer dental benefits to everyone and are
designed to give access to the dentist networks at discounted rates. They are
also known as reduced fee dental plans or affordable dental plans. They are
easy to join and does not involve any paperwork. Discount dental plans are generally
membership programs that provide coverage on an annual basis with monthly
membership fee. Consumers get secured discounts on dental services like exams,
routine cleanings, extractions, root canals, fillings, dentures, and braces.
They save the consumer 10-60% percent off standard fee of visiting a
participating network provider or dentist.
The
traditional dental insurance and discounted dental plans can also be clubbed
together in certain situations to maximize savings.