Healthy teeth and gums play a fundamental role within our overall health. Regrettably, rising dental insurance premiums and treatment costs have made dental care inaccessible to numerous people throughout the nation. Today, there are many than 108 million children and adults without dental insurance in the U.S. As the need for affordable dental care keeps growing, more and more folks turn toward discount dental plans as a cost-effective and easy-to-use option to dental insurance.
Current research shows an obvious shift in the dental benefits marketplace attributed, simply, to concerns with cost, choice and service. Many consumers and employers are moving far from the inflated premiums, strict restrictions, poor service and other limitations often associated with traditional dental insurance and are looking toward the savings and benefits offered by discount dental plans. “Having an estimated 45% of Americans lacking any kind of dental coverage, and the dental insurance marketplace offering few, affordable dental products for individuals, discount dental plans are a nice-looking answer to the necessity to reduce consumer out-of-pocket costs and increase usage of care.”
Discount dental plans provide consumers with the worthiness they desire by offering usage of affordable, quality dental care at a good deal and with a focus on choice and service tại đây. Plan members pay a low annual membership fee and are granted usage of a network of participating providers offering discounts of 10% to 60% on most dental procedures, including braces, root canals, crowns, dentures, cosmetic dentistry and more on select plans. Certain plans even include discounts on additional benefits, including prescription, vision, hearing and chiropractic care.
Discount dental plans, designed to offer significant savings on members’dental care needs, have swiftly become a nice-looking option to costly dental insurance. Traditional dental insurance, once the sole dental benefit option available, features many drawbacks including costly deductibles, tedious claim forms, long waiting periods and other limitations. On the other hand, discount dental plans are more cost-effective, easy-to-use and free of the hassles.
Additionally, discount dental plans – starting at $79.95 each year for individuals and $129.95 each year for families – are much cheaper than dental insurance. According to a 2005 report by the National Association of Dental Plans (NADP), a respected representative of the dental benefits industry, the typical monthly premium for individual dental HMO insurance is almost $16 (about $192 per year), in comparison to nearly $24 (about $288 per year) for individual dental PPO insurance and nearly $31 (about $372 per year) for individual dental indemnity insurance. According to NADP, “Discount dental plans have grown to be an economical and important option to combat the rising cost of health care. They are a cost-effective vehicle for an incredible number of undeserved consumers to improve their usage of dental care.”
Discount dental plans also provide businesses and other groups with dental benefits which can be an easy task to implement and practically effortless to manage. Many businesses are utilizing discount dental plans to offer dental benefits to people which can be rarely covered by traditional dental insurance, including retirees, part-timers, seasonal workers and uninsured dependents. Businesses can protect their employees’health and provide satisfaction by encouraging their team to participate a money-saving discount dental plan.