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 many 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 continues to grow, more and more people turn toward discount dental plans as a cost-effective and easy-to-use alternative to dental insurance.
Current research shows an obvious shift in the dental benefits marketplace attributed, partly, to concerns with cost, choice and service. Many consumers and employers are moving away 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 an attractive reply to the need to reduce consumer out-of-pocket costs and increase access to care.”
Discount dental plans provide consumers with the worth they desire by offering access to affordable, quality dental care at a low price and with a focus on choice and service xem thêm. Plan members pay a low annual membership fee and are granted access to 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 supply significant savings on members’dental care needs, have quickly become an attractive alternative 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 those 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. Based on a 2005 report by the National Association of Dental Plans (NADP), a reliable representative of the dental benefits industry, the common monthly premium for individual dental HMO insurance is almost $16 (about $192 per year), compared to nearly $24 (about $288 per year) for individual dental PPO insurance and nearly $31 (about $372 per year) for individual dental indemnity insurance. Based on NADP, “Discount dental plans have grown to be an economical and important alternative to combat the rising cost of health care. They’re a cost-effective vehicle for an incredible number of undeserved consumers to enhance their access to dental care.”
Discount dental plans provide businesses and other groups with dental benefits that are simple to implement and practically effortless to manage. Many businesses are using discount dental plans to supply dental benefits to people that are rarely covered by traditional dental insurance, including retirees, part-timers, seasonal workers and uninsured dependents. Businesses can protect their workers’health and provide satisfaction by encouraging their team to join a money-saving discount dental plan.