Dental 4 Less – Discount Dental Plans are they a Good Dental Insurance Alternative
Question: I am on a very tight budget on what I can afford for the cost of dental insurance and any dental care I may receive. I am finding dental insurance to be over what I can afford to spend but I an not sure about dental discount plans since I never had one before. Are they are good alternative to getting dental insurance when you can not afford much?
Reply: Discount plans can be helpful in saving you money off your dental care needs. They are low in cost ranging around $10.00 a month for an individual. With a dental discount plan it is important to make sure there are plan providers in the plan network that you would want to go to. As there is no outside network savings. Keep in mind with most dental discount plans you do pay for each dental service render but at a discounted cost.
You may want to compare a dental discount plan to any available dental HMO insurance plans. Seems to me you may have been reviewing dental PPO insurance plans which are more costly. Where as HMO dental insurance plans are typically your more affordable insurance option. With and HMO you also have to choose a plan provider of the plan there is no outside network benefits. However most HMO insurance plans provide free preventive services and have even lower cost for larger dental care needs compared to a dental discount plan in most cases.
Take your time to review both options and then choose which makes the best sense for your dental care needs.