Money Down The Drain
For many, dental care is becoming too expense to have these days. Also, many people are under the impression that having dental insurance is saving an abundance of money. I hope you do not fall into this category. If you do, then you are seriously out of the loop. We have been conditioned to believe that insurance is good and that there isn't a better alternative, but this doesn't apply to dental insurance. Dental insurance is the most expense type of coverage to purchase! Consumers are charged in high premiums, thus wasting money that could be put aside for other expenses. It is important to understand that insurance companies are collecting more funds in premiums from the consumer. It's a business of NOT paying claims. It's a business of collecting premiums; otherwise they will go out of business.
There are other factors that contribute to sapping your wallet with a dental insurance policy. The first I will discuss will be the cap or limits on your dental services. A majority of policies don't have a reasonable annual limit, which is very disappointing to an individual that needs extensive dental work. Once you reach your unrealistic cap, you have to pay out of pocket anyway. How does that help you save money? It doesn't, because the cap can be based on the claim amount, not the amount paid by the insurance.
I know many people that have been paying a monthly premium and not filing a single claim, which is obvious money down the drain. I am sure you would be very upset that the annual coverage amount didn't roll-over to the following year. When the time comes for an emergency procedure, you could end up paying out of pocket. This situation happened to a close associate of mine. On top of that, her dentist charged more than the UCR and she had to make up the difference for her procedures.
The waiting period is usually 0 to 3 months for preventative care, which includes check-ups, cleanings, and fluoride treatment at 80-100%. The waiting period is usually 12 to 18 months on procedures like root canals, therapy, crowns, bridgework, oral surgery, and full/partial dentures as are usually covered at 50%, because it is considered major care. The waiting period is usually 6 to 12 months for extractions, fillings, and X-rays, are most likely covered at 60 to 80% due it being basic care. When you want procedures like cosmetic dentistry, it most likely is not covered. If it is, the waiting period can be up to 2 years.
A Reason to Smile
There is another alternative to saving on your procedures. Discover how affordable and reasonable dental coverage will help you save on your yearly health expenses. This type of dental coverage will save you money without the unrealistic stipulations of a dental insurance policy. No need to worry about waiting periods, deductibles, or annual maximums. You get the services you want, when you want them. A discount dental program allows you and your family to receive quality care at significantly lower rates.
I would advise you to do your research and consider another approach to saving your hard earned money. It is important to take care of that smile and research the latest news on dental health and learn ways to improve your oral health. For further information on dental care, affordable dental plans and dental providers, please visit my website.
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