Dental discount plans, What are the pro and cons of getting one?
I have been reviewing your dental insurance as well as the discount plans you have to offer. I also been to other website that offer many of the same dental plan. I am still deciding on which one I really want.
My family say to get dental insurance but I think that because that is all they know since they never had any dental discount plans to compare. Can you offer up some pros as well as cons about buying a dental discount plan over dental insurance?
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Thursday, Sep. 2nd 2010 10:34 AM at 10:34 am
Pros of a dental discount plan
1) Effective date: Most discount plans start within the next business day of buying it online.
2) No claim forms. You only have to pay the discounted prices as shown on the plan to the dentist at the time the service is render. Therefore no hassle of having to fill out claims forms or having to pay in full for the dental service and waiting to get money back.
3) You can get dental discounted saving on all dental services render even those that are not normally covered under dental insurance.
4) No preexisting conditions exclusions
Cons
1) Not insurance
2) You must stay within the approved network of individual or family dentists.
3) Dental companies selling these plans are not regulated by state insurance departments.