Healthy teeth and gums play a fundamental role in our overall health. Regrettably, rising dental insurance premiums and treatment costs have made dental care inaccessible to numerous people over 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 is growing, more and more people turn toward discount dental plans as a cost-effective and easy-to-use option to dental insurance.
Current research shows a clear shift in the dental benefits marketplace attributed, in part, 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 related to traditional dental insurance and are looking toward the savings and benefits provided by discount dental plans. “Having an estimated 45% of Americans lacking any type of dental coverage, and the dental insurance marketplace offering few, affordable dental products for individuals, discount dental plans are an attractive response to the necessity to reduce consumer out-of-pocket costs and increase use of care.”
Discount dental plans provide consumers with the value they desire by offering use of affordable, quality dental care at a good deal and with a focus on choice and service. Plan members pay a low annual membership fee and are granted use of a network of participating providers offering discounts of 10% to 60% of all 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 provide significant savings on members’dental care needs, have swiftly become an attractive option to costly dental insurance tại đây. 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 another hand, discount dental plans tend to be 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 respected 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 become an economical and important option to combat the rising cost of health care. They are a cost-effective vehicle for millions of undeserved consumers to improve their use of dental care.”
Discount dental plans offer businesses and other groups with dental benefits which are easy to implement and practically effortless to manage. Many businesses are employing discount dental plans to offer dental benefits to people which are 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.