Many Americans are looking for ways to reduce their dental health care expenses. Unfortunately, they are finding the New Year is bringing rising premiums, higher out of pocket expenses and deductibles. Quality dental care is crucial, for the old and young alike, but the high cost can be financially stressful. Which is why so many people are choosing dental discount plans over traditional dental insurance.
Inadequate dental health can cause more than just cavities, it can also lead to serious health problems such as cardiovascular disease, dementia, respiratory infections and diabetic complications.
Traditional Insurance Plans
Besides the high annual cost, the typical dental insurance plan has many shortcomings. For instance, the average copay has the insured paying over 20% for just a filling and 50% for a crown, while many other procedures are not even covered.
Then there are the annual maximum payouts, they are usually as low as $1,000 to even $2000. Unfortunately, all it takes is a few dental procedures, such as a tooth extraction, and a root canal with a crown, to reach your max and leaving you paying out of pocket.
The Affordable Care Act
Dental health plans under the Affordable Care Act are required to provide Pediatric Dentistry to meet the requirements of “essential health benefits”. The requirements for adults are not the same. While new ways have been formulated to find dental insurance in the marketplace, it hasn’t led to lower cost or a higher quality of care.
“With all the attention paid to affordable health care, experts say standard dental coverage has changed little over the last 20 years while leading to greater out-of-pocket costs for consumers,” according to ABC News
Discount Dental Plans
Discount dental plans are becoming increasingly popular. They tend to be more affordable, whether annually or monthly, and provide significant savings with participating dentists. These plans provide pre-negotiated discounts for most dental procedures, cover pre-existing conditions, eliminates the hassle of deductibles, less paperwork and there is no cap on the total savings.
Our goal at True Dental Discounts is to provide both individuals and families with affordable and quality dental care. Learn how you can save on exams, braces, dentures, cleanings and many other dental procedures by contacting TrueDentalDiscounts.com.
If you’re looking for a dentist in the triangle area, consider Lane & Associates Family Dentistry.