It won’t be wrong to say that the cost of dental insurance is very high in the US. This is the reason that most of the people who are in need of dental care often neglect their teeth and pay the price by losing their teeth prematurely. While it is true that there are dental insurance plans available today, the truth is that most of the insurance plans still require a lot of money to be paid out of pocket.
Also, most of the people get dental insurance through their employers and most of the employers are cutting down on their dental insurance plans to cut down on costs. In other words, there is a big section of the population in US without any kind of dental insurance cover. However, this does not mean that you just sit around and neglect your teeth.
One of the best alternatives to insurance is the dental card services. You must have heard of various dental discount plans available today. These discount plans work in a very simple manner. You need to pay a small fee to join one of the discount plans and you receive a membership to the plan. There are thousands of dentists in the network of discount plans.
So, next time you go to a dentist for any treatment, just show your membership discount card and you will receive anywhere from 10 to 60% discount on the typical fee. The only condition is that the dentist should be in your network. There is no annual upper limit to the discount you can get on your discount card. Also, there is no restriction on any pre-existing condition.
In most of the insurance plans available in a market today, you are not allowed to buy insurance for any pre-existing condition. Dentists also like this plan as they get paid in cash after the treatment. When they treat patients on insurance, they usually have to wait for around 45 days before they get the payment.
Also, sometimes insurance companies simply reject their claims and there is no recourse for the dentists to recover the payment. There are number of different types of plans available for everyone. Also, if you are not able to figure out the right plan for your dental care needs, you should check the websites where people compare various plans and help you in choosing the best one for your needs.