How to Get Affordable Dental Insurance

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So you are wondering how to get affordable dental insurance. It really is not that hard. Dental insurance and affordable dental plans are accessible and readily available so that you can achieve good overall health. You may be surprised how easy it is to get instant coverage so you can get the dental care you and your family needs right away.

When should you see a dentist? If you are experiencing any pain, swelling, or bleeding of any kind in your mouth, you should see a dentist right away. If you have a healthy mouth, most research shows that you should see a dentist at least every six months. The best way to have healthy teeth and gums is to get consistent cleanings and checkups. But again, if you are experiencing any kind of pain, swelling, or bleeding in your mouth, do not wait 6 months. If this is the case, you need to get care right away. Studies show that some serious diseases show symptoms in the mouth first.

What is dental insurance and how does it differ from discount plans? Traditional dental insurance is coverage that is an agreement between your employer and an insurance company that provides you with access to affordable dental care and emergency services. The cost of your monthly premium and any co-pay for services are negotiated between your employer and the insurer. This differs from discount plans in that discount plans are purchased by you, and the costs of services are negotiated between the dentist and the discount plan provider. Once the dentist and the plan provider agree on costs, you pay a small monthly membership fee, and a discounted price for services. Discounts can be up to 50% off the normal price. Since all costs are pre-negotiated, there are no hidden fees.

Why should you have a dental plan or insurance coverage? You may think that you do not need dental coverage, but getting regular examinations and cleanings can prevent bigger problems down the line. Ailments in the mouth can be a sign of more serious problems in the body. If there is a way to get help with the expense of dental care, why not take advantage of it? Dental insurance or discount plan coverage gives you the security of knowing that you can get proper treatment when you need it without emptying your wallet in the process.

How does the dental insurance or discount plan application process work? If you are applying for dental insurance or a discount plan yourself, and not through your employer, the process is not a difficult as you may think. No medical exam is needed, so you do not need to be afraid of any tests. When you send in your application just make sure you complete all the questions. If a question is not applicable to you or your situation, insert “n/a” into that field instead of leaving it blank. You will be contacted is any missing information, and this may slow the application process down.

How long does it take to get approved for traditional insurance coverage? Sometimes you can be approved in less than a week. Medical information may be needed from your primary care provider – in that case the process may take a few weeks. Once you are approved, your benefits will be effective on the first day of the month, after you sent in your application. For example, if you are approved on May 22nd, your insurance would kick in on June 1st.

Who would not be eligible for traditional dental insurance? If you are unemployed or self-employed, or straight out of college and have just been released from your parents’ insurance, you may not be able to obtain traditional insurance. These policies rely on a premium being paid, and the insurance company may not think your situation will allow for that. Also, if you have just started a job, most times your benefits will not be effective until 90 days of continuous employment. You still need dental coverage though, and should not go without it during this time. Discount dental plans can help you get through that hump. You can get the care and attention you need without having to pay a high monthly payment. Plus, discount plans begin the moment you sign up. There is no waiting period before your coverage begins. You will have access to discounted rates for services, you will know what your bill will be up front, and you will be cared for by a board certified, quality dentist in the network.

Where can you get affordable dental insurance or an affordable discount dental plan? Your ticket to getting affordable dental insurance or an affordable discount plan is literally right at your fingertips. There are informational and trustworthy websites that can help you pinpoint and find the right coverage at the right price in just a few clicks. Because it is so easy to find, I urge you to not go another day without dental coverage – the resources are out there for you to take advantage of right away.

L. Waters

Research Writer © 2009



Source by L. Waters