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June 15, 2007

An Alternative To Individual Dental Insurance?

Most employers provide some kind of dental cover for their employees. Individual dental insurance, family dental insurance, dental reimbursement plans, group plans etc. are some of types of dental cover provided by employers. If you have one of these then most of your dental costs will be covered under them and you need to pay only a percentage of your dental treatment costs.

A couple of months ago a reader wrote to me in desperation saying both she and her husband needed a lot of dental attention for root canals, cavities and dental cleaning. She had no individual dental insurance nor family dental insurance from her husband's employer. She was not left with much savings after all the expenses of bills, food and rent.

What alternatives were open for her?

She needed individual dental insurance but was not eligible for it as neither her employer nor that of her husband was offering this benefit. She asked for an alternative to individual dental insurance. Here is my reply to her:

The cheapest option for you to explore would be to find a dental school near you and get registered there. The students at the dental school need patients to learn their craft. So, find out if they are willing to take you as patients.

You will be worked on by student dentists and the outcome may not be great but you can expect reasonable amount of care as they will be supervised by their teachers. Well, that is a cheapest alternative when money situation is really tight.

But if you want good quality dental care then an option you can explore is getting dental discount plans - these are not dental insurance remember - they are kind of discount clubs.

dental plan negotiates a deal with dentists around the country to offer their dental services at lower costs then it would normally cost. The payment is usually upfront. That is you know how much you have to pay for your dental treatment when you go for it.

For example: Here's a sample Actual You Pay

Root Canal Treatment - Front Tooth $542 $336

Root Canal Treatment - Bicuspid $646 $403

Root Canal Treatment - Molar $829 $491

What you could do is save $100 left every week and after you have accumulated say 400 dollars at the end of month get one root canal treated. That way at the end of the year you could get most of dental treatment done.

What you can also do is visit the dentists around your area and get an estimate for the overall dental treatment for both of you. You could outline your position to them and ask them to give you an overall plan so you can plan your treatment over the course of a year or two.

Most dental treatments are not an emergency so you can spread out your costs over a year or two. Ask your dentist to priortize your treatment needs. That way you will be able to get the most needed treatment first.

When you have no individual dental insurance cover, dental plans are alternative you can explore but remember they are not dental insurance.

For more details on dental insurance and dental plans visit:



Dental Insurance Plans


http://www.ezinemarketingcenter.com/dental-insurance/

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