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Most of us have faced dental problems at some stage of our lives,
but not many of us are aware that there are a variety of ways to
pay for a dentist and dental care. In addition to only traditional
dental insurance, there are other choices as well that can save
you money on your dental care. Let us have a look at four dental
care and dental insurance options that can pay your dentist’s
fees and dental care expenses.
Let us first consider traditional dental insurance. It is a common
plan similar to a health insurance plan. Under traditional dental
insurance plans, you are required to pay a weekly or monthly premium
and receive benefits such as 80-100% of your dental costs covered.
You can get such traditional plans through your employer or an insurance
agent. Keep it in mind that your costs may go up if you get it through
an agent. Also check out if some procedures and prior problems may
have a waiting period or may not be covered.
A dental reimbursement plan is not really insurance but a sort
of pact between you and your employer. Under such a plan, you first
pay for your dental care and then take your receipt to your employer.
Your employer will then reimburse you up to a specified limit .
This is a great option for both an employee and his/her employer
as none of them has to bother about paying monthly premiums to an
insurance company or to worry about having limited choices in a
You can also join your fellow workers and ask the boss to set up
a voluntary group dental insurance plan. With this kind of plan,
you and your colleagues pay all the fees for the dental insurance;
but as it is set-up through your employer, you can get a cheaper
group rate and in all likelihood more benefits.
If you choose a dental discount plan, you may have to spend less
for your dentist and dental care. Dental discount plans may not
be called insurance, but they give you specific discounts on specific
services. With such a plan, you have to pay an enrollment fee and
a monthly fee to the dental discount plan provider but the fees
are less than insurance fees. However, you can only visit those
dentists in your area who are recognized by the dental insurance
Before you choose a dental insurance plan, you should consider
all the facts and find what will best suit your needs. Some of you
might choose a dental discount plan as your employer does not offer
any type of dental insurance and is not keen on negotiating a plan
in the workplace. But for others, the option of dental insurance
through their employer is the best since they have a family to insure
and a history of dental problems. In some instances, you may also
feel comfortable in paying for a dentist out of pocket thereby avoiding
the hassles of paying premiums all the time for dental insurance.
All said and done, whatever option you choose you will be able to
save more money if you keep abreast with current dental check-ups
to prevent any major damage that could prove costly in the future.