Finding The Right Value in Your Dental Insurance/Discount Plan
Finding the right value in dental insurance or dental plans is an important step in purchasing dental coverage for you and your family. Both types of dental plans have advantages and disadvantages and one size does not fit everyone.
Keeping this in mind is an important rule when you shop for the dental plan that best fits your needs. We sell both individual and family dental insurance and dental discount plans throughout all 50 states.
Specialist in dental insurance and dental discount plans
Dental4Less.com is a specialist in dental insurance, dental discount plans, vision and prescription coverage programs for individuals, families and groups. We have been serving the dental community since 1983, you will find our licensed dental insurance agents are well informed and ready to assist you. Compare dental insurance plans and decide which one is right for you and your family.
Affordable Dental Plans According to the National Association of Dental Plans, approximately half of the U.S. population does not have an affordable dental plan. The cost for affordable dental insurance can vary. Therefore, it is important to understand all your options in obtaining the most affordable dental plan coverage.
The company where you work may provide the most affordable dental insurance plan options. Dental insurance plans for individual and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provided Organization) and operate much like traditional health insurance organizations. Affordable Dental Plans – HMO Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan.
If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative. Discount dental plans are not dental insurance plans. A discount plan partners with dentists to provide customers with a savings on visits to the dentist office. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental plan problems. Affordable Dental Plans – Where to Buy You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker.
Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance. Your dentist may also have affordable dental plan options available to patients. Ask the receptionist if they partner with a dental plan company and see if one might be right for you.
Affordable Dental Plans – Other Alternatives If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices. Finally, dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits.