Over the years, more and more people have opted out of getting dental insurance while dental discount plans have becoming a more popular alternative. A lot of people have the feeling that they are not getting the most out of their insurance. Here are some advantages to opting for dental discount plans.
Lower Dental Premiums
Tradition dental insurance can prove to be quite costly especially if you are not prone to dental problems. However, a dental emergency can also be quite expensive. It is better to try and have some type protection and dental discount plans is great option. With discount plans you could pay a premium of less than $20 a month for your entire family. Discount dental plans tend to be much more affordable and thus a popular option for most people.
No Waiting for Dental Benefits
With most dental insurance plans, there is a waiting period for your benefits to kick in. However, this does not apply with dental discount plans. Any existing conditions that you may have will be covered as soon as you are on the discount dental plan. Typically, tradition dental insurance companies do not find this financially viable and cause the beneficiary to wait for coverage.
Lack of Annual Limits
Unlike traditional dental insurance, dental discount plans do not have any annual limits on your benefits. The reason that most dental insurance providers will have annual limits is to ensure that they are paying out less than the amount of money they receive in premiums annually.
Dental Discount Plans Cover Cosmetic Dentistry
Typically, a large number of traditional dental insurance companies will not foot the cost for cosmetic dentistry. This is usually considered an elective form of treatment and hence you would be expected to pay for it out of pocket. With a discount plan, there are no such restrictions in place as there is no distinction between cosmetic dentistry and the other dental procedures.
Unlike traditional dental insurance, you will find that there are no claim forms that need to be filled with a discount plan. This makes the process faster and much more hassle free.
www.AlphaDentalPlans.com offers a side-by-side comparison of dental discount plans. Find the dental plan that has the benefits and coverage that you are looking for at Alpha Dental Plans and start saving on dental coverage today.