The Good and Bad of Dental Care Plans

Study: There are more or less 132 million people in the United States who don’t own a dental insurance.

A dental care plan is not an insurance policy. Dental care plans are designed to provide its members the right to get hold of cheap, discounted dental treatment. Through the modest monthly fees of dental care plans, patient received proper dental services and treatment at a lower price. This article discusses the good side and the bad side of dental care plans.

Benefits of Dental Care Plans

  • Dental care plans are cost-effective. If you want to steer clear from the skyrocketing price of a dental insurance policy, a dental care plan might be best the solution for you. Like dental insurance policies, dental care plans also have monthly premiums but these are much lower than the average monthly dues of dental insurance plans.
  • Dental care plans benefits are instantaneous. Dental care plans have immediate benefits. You don’t have to wait for some time to get started with the dental procedure. Present your dental care plan card and off you go to your dental treatment.
  • Dental care plans providers shoulder up to 100% dental costs. Dental care plans save your money big time! Just be wary when you will reach the capped amount. For only $30, you can already have your dental care plan; insurance policy costs start at $100.
  • Dental care plan promotes overall oral health. Due to its low membership cost, many are encouraged to get regular checkups with their dentists. They are reasonably priced, thus dental health issues are treated in a timely manner preventing periodontal disease.
  • Dental care plans offer free benefits. Perhaps, the biggest boon of dental care plans is that they offer twice a year tooth cleanings which do not affect the coverage limits. However, this perk would depend on the dental care plan provider.

Drawbacks of Dental Care Plans

  • dental care plans benefitsDental care plans are limited. The major issue on dental care plans is that their benefits are constrained. The fact that they are obtained at a lower price, it is not feasible to avail all the minor and major dental treatment in comparison with dental insurance policies. That said, you are likely to pay the services at your own cost if you exceeded the maximum limit of your dental care plan.
  • Dental care plans are restricted to a number of dentists. With dental care plans, you cannot choose your own health provider. Companies offering dental care plans will only allow you to select dentists that belong to the company’s network of approved health professionals.
  • Dental care plans do not work for cosmetic dentistry. Due to minimal coverage of dental care plans, there is no adequate fund for cosmetic work-ups such as teeth whitening, bridge works or porcelain veneers.

Warning: Be leery on some dental care plan providers that are fraudulent. The Coalition Against Insurance Fraud reports sham claims and exaggerated benefits by dental care plan companies. Always read the fine prints and review the contract properly.

Dental care plans are wise alternatives to dental insurance plans. Dental care plans are discount programs designed specifically for individuals who cannot afford the expensive dental insurance plans. For as low as $80 per annum, you can visit your dentist for regular checkups and dental care treatment. As oral health impinges on the overall health, it is acceptable to say that dental care plans are made affordable to manage dental disorders and diseases.