Discount Dental Plans to the Rescue

Have You Lost Your Insurance Recently

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A Dental insurance or dental benefit plan is viewed upon as a much sought after employee benefit. So financially it makes sense to have a dental benefit plan in place to recruit and retain employees. Moreover, dental health is a very important part of overall employee health and man days lost due to dental problems or dental discomfort of an employee equates to financial loss for the employer.  Read more...

You depend on your teeth for more than just eating. You want a nice smile and your teeth need to be kept healthy and strong. Now doctors are finding that an unhealthy mouth is a sign of some other medical conditions. You not only use your teeth for eating but you also depend on a nice smile to make good first impressions when you meet people for the first time. One thing that someone likes to hear is, wow you have a nice smile. Your teeth give you the ability to speak more clearly also. Our teeth and a healthy mouth are very important.  Read more...

Looking for an affordable dental plan? Here’s an explanation of what they cover and how to find the best dental plan in your area.

What is a dental plan?  Read more...

Looking for a good a dental plan? Here’s how to buy a dental plan online from a top-rated company and get the very best price.

Dental Plan  Read more...

How many dental insurance plans do you come across everyday - hundreds, thousands or even millions? Ever got bogged down by the sheer volume and had a breakdown while trying to mix and match these guys. Your trouble is nearly over.  Read more...

Finding Inexpensive Dental Services  Read more...

Dental health coverage is not as common as other types of insurance. Most companies do not offer health insurance and for that reason most Americans do not have dental health insurance. This is not necessarily a bad thing.  Read more...

Discount dental plans are fast becoming the number one alternative to traditional dental insurance. With more than 108 million Americans currently without some form of dental care coverage, it is more important than ever before that we dicuss the benefits of discount dental plans. Traditional dental insurance is virtually unaffordable if not provided by an employer. Therefore, individuals and families must have an alternative. For many, the perfect alternative is a discount dental plan. Discount dental plans offer flexible, convenient coverage that dental insurance policies lack. They’re also very affordable.Top 5 Discount Dental Plan Benefits:1) AffordableDiscount dental plans are considerably more affordable than traditional dental insurance. A typical individual discount dental plan will cost you around $79.95, while a family plan will start at around $120. In a report released in 2005 by the National Association of Dental Plans, the average monthly premium paid for individual HMO dental insurance(Traditional) was nearly $16/month, or about $192/year, compared to even more($288/year) for individual PPO dental insurance and a whopping $372/year for individual indemnity insurance. As traditional dental insurance rates continue to rise at astonishing rates, discount dental plan rates do not. In fact, the NADP states, "Discount dental plans have become an economical and important alternative to combat the rising cost of health care. They are a cost-effective vehicle for millions of underserved consumers to improve their access to dental care."2) No Health RestrictionsUnlike some dental insurance providers, discount dental plan providers do not impose sometimes unfair health restrictions on members. In other words, you will receive the discount afforded to you according to your discount dental plan’s fee schedule if you have health problems or not. It is not uncommon for lower income people to suffer from untreated ailments, thus making a discount dental plan the only option in some cases.3) No Paperwork to Fill OutNobody likes arriving at the dentist only to spend 15 minutes filling out lengthy medical history and claim forms. With discount dental plans the only paperwork you fill out is the paperwork required to purchase your plan. Claim forms don’t even enter the equation.4) Quick ActivationIf you’ve ever tried to enroll with an insurance provider, you know that the wait can be unbearable - especially if you’re in immediate need of insured care. Discount dental plans, on the other hand often activate within 1-3 days, depending on the provider you enroll with. Within this time period, a discount card is mailed out to you, and you are often provided with immediate access to plan information, including fee schedules, and local participating dentists.5) Direct Access for Individuals, Families, and GroupsTraditional dental insurance is rarely directly accessable to the general public - in terms of either policy or expense. However, discount dental plans are available directly to the general public. You can access and enroll in a plan right over the web in most cases. This is true for individuals, families, and groups alike. In fact, one of the largest segments of dental plan enrollees belongs to small businesses who find traditional dental insurance unaffordable.The National Association of Dental Plans (NADP) considers discount dental plans as a viable, cost-effective alternative: "With an estimated 45 percent of Americans not having any type of dental coverage, and the dental insurance marketplace offering few, affordable dental products for individuals, discount dental plans are an attractive answer to the need to reduce consumer out-of-pocket costs and increase access to care."

The elderly, blind, physically disabled and poor younger families with young dependent children are eligible for Medicare and Medicaid dental expenses (with conditions) under provisions of the Social Security Act of 1965.  Read more...