Everyone needs dental care. There are more choices than just traditional dental insurance and those choices can save you money on your dental care. If you need a way to pay for your dental care and dentist fees, here are 4 dental care and dental insurance options you may want to consider:
1. Traditional Dental Insurance: These are the plans most are used to and work similar to health insurance plans. With traditional dental insurance plans you pay a weekly or monthly premium and receive benefits such as 80-100% of your dental costs covered. You can find traditional dental insurance plans through your employer or an insurance agent. Always check with your employer first when looking to purchase a dental plan.
2. Dental Reimbursement Plans: A dental reimbursement plan is not insurance but instead a type of agreement between you and your employer. If you like the idea of having a dental reimbursement plan in your workplace, just ask your employer!
3. Voluntary Group Plans Want dental insurance at your workplace? Get together with your fellow co-workers and ask your employer to set up a voluntary group dental insurance plan.
4. Dental Discount Plans: A dental discount plan can be a great way to pay for your dentist and dental care at a lower cost. Dental discount plans are not insurance but instead one would get a specific discount on specific services. With a dental discount plan, if its discount is 20% then instead of paying the normal $100 visit/cleaning fee you would only pay $80 thus getting a 20% discount on your services. These types of plans usually require you to pay an enrollment fee and a monthly fee to the dental discount plan provider but the fees are less than insurance. Also, your dentist choices will be limited to the dentists in your area that accept the dental insurance plan.
