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For those who believe they cannot afford dental insurance, these 5 tips and a free Dental Insurance Checklist from DentalInsurance.com are designed to help consumers find low cost dental care.
Los Angeles, CA (PRWEB) March 05, 2013
While unemployment in the U.S. was at a 4-year low in November, 2012, there are still millions of Americans who do not have any form of dental insurance. For those who may believe that they cannot afford dental care, DentalInsurance.com, which provides individuals, families, and businesses quality dental coverage to fit every budget and lifestyle, offers the following:
Top 5 Tips for Getting the Most Affordable Dental Care
1. Understand dental healthcare needs.
Before shopping for the best dental plan, consumers should develop a personalized dental healthcare plan. Regularly scheduled checkups and exams should be part of the plan. In addition, any corrective care or desired cosmetic procedures should be included. At this stage, it is best to remain open-minded about what the list includes, so that affordable dental insurance plans that may include the broadest coverage are not eliminated.
2. Compare and save.
There are hundreds of low cost dental insurance plans available. The trick is to discover the best dental plan to meet an individual’s or family’s specific needs. Because there are so many variables involved, using a checklist can help narrow down the options, so consumers can find the dental insurance plan that best fits their budget and needs. DentalInsurance.com provides consumers with online tools and dental resources, including informative articles, blog posts, and a free downloadable Dental Insurance Checklist. Using these resources can help make selecting the best dental insurance easier.
3. To get the most out of benefits, dig into the details.
After choosing a dental insurance plan, consumers need to understand the benefits the plan provides in order to maximize their investment. Fortunately, the law states that consumers with dental coverage are required to receive a description of their benefits. Consumers can therefore fully research the coverage, limitations, and exclusions of their plans and use their benefits to the limit.
4. Control expenses with a “predetermination” or “pre-treatment” review.
Once they are insured, consumers who are considering a costly dental procedure may be able to have their dental carrier confirm coverage for specific procedures in advance. Often, the dentist’s receptionist can to do this for patients during a visit or over the phone. Getting a predetermination or pre-treatment review helps consumers know in advance what portion of the costs their dental plan will pay. In addition, the dentist or insurance carrier may also be able to recommend less costly options to enable even further savings.
5. Consider a discount dental plan.
Last but not least, if traditional insurance is out of reach financially, consumers may want to consider a discount dental plan(DDP). A DDP allows patients to make monthly or annual payments in exchange for unlimited dental care services that are based on a discounted fee schedule and provided by dentists who participate in the plan’s dental network. More than 100,000 dentists across the U.S. now accept discount dental plans.
DDPs generally require the discounted total to be paid in advance. Therefore, if the lump sum payment for a dental procedure is still unaffordable, then a discount dental plan may not be a good fit. In that case, consumers may wish to consult directly with a dentist regarding a payment plan, which many dentists are willing to negotiate.
“Many affordable options for dental care are available to consumers today, and there is no reason to pay more than necessary for dental insurance,” DentalInsurance.com Director of Business Development Avery Smith notes. “These tips and the handy Dental Insurance Checklist, which is available for download at http://www.dentalinsurance.com, can help consumers save hundreds or even thousands of dollars a year on the cost of dental work.”
Based in Los Angeles, CA, DentalInsurance.com has been the preeminent online exchange platform for dental insurance and discount dental plan comparison shopping since 2001. A leading innovator and provider of dental insurance and discount protection to individuals and employers, DentalInsurance.com was the first company to enable consumers to compare, apply for, and purchase dental insurance and discount protection from top-rated insurance carriers online via the company’s website at http://www.dentalinsurance.com. Working diligently to deliver the most competitive carriers and plans nationwide, DentalInsurance.com provides individuals, families, and businesses quality dental coverage to fit every budget and lifestyle.
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