Affordable dental care is available. Dental care may be one of the most unmet health care needs but if it’s affordable, your needs can be met. When you forgo dental care, you may be putting yourself at risk for more serious health conditions. It is bad enough that you will lose your teeth if you do not take care of them, but you may also be affecting your brain, heart, and immune system as well. According to the American Dental Association (ADA), the gum disease that causes tooth loss (called periodontitis) is associated with other more serious conditions like bacterial pneumonia, stroke, and cardiovascular disease. There are other reports that indicate an unhealthy mouth may be linked to diabetes. Without the proper dental care, small cavities or painful teeth can lead to more serious conditions than just tooth decay. You should not delay making an appointment.
Affordable dental care is available for people on a budget in the form of a “discount dental plan”. What is this? It is an alternative to traditional dental insurance that allows you to see a dentist quickly without breaking your wallet. Many major insurance companies offer an affordable dental care package that offers comprehensive coverage at a discounted price. This is to help people on a budget get the care they need quickly.
Discount dental plans are different from traditional insurance in four different ways:
#1 – Instant savings. Once you have your membership, you get a discount of 10-60% off of most procedures. You pay the dentist directly for their services and there are no hidden fees. For example, you need a procedure that usually costs $249. As a member of the discount network, you are eligible for a 60% discount on that procedure. Therefore, you would only have to pay $99 to get your dental work done ($249 – 60% = $99). That’s it. No additional fees will be charged. This significantly reduced rate allows you to get affordable dental care quickly. If you need to make payment arrangements, you can discuss it directly with the dentist.
#2 No paperwork hassles. With traditional insurance, there is a lengthy waiting period that you must go through while the insurance company decides whether or not you are eligible for coverage. This is called the underwriting period. There is no lengthy underwriting period with a discount plan. Your membership is usually active within 3 business days from the time you join the discount network. If you choose coverage for your family, they will be covered at the same time you are.
#3 – No monthly premiums. There are no monthly bills to pay. Once you have your discount plan membership, you are covered for an entire year.
#4 – No deductibles. There are no deductibles to pay before your benefits kick in. Once you are a member of the network, you are fully eligible for member savings. The dentists in the network offer their dental care services to members at a significantly reduced rate.