Why You Must Consider a Dental Plan to Pay Off Your Expenses?
Monday, August 19, 2019, 6:00 AM | Leave Comment
Dental work can be expensive, but you don’t need to break the bank with a dental plan.
Read on to learn more about how a dental plan can help you pay off your expenses.
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Introduction to the Dental Plans
A dental plan allows you to spread the cost of going to the dentist without the need to apply for dental insurance or use the NHS pay-as-you-go plan. The plan is set up so that you can pay off your dental visit in affordable installments per month rather than settling the bill at the end of your visit.
There are two types of plans that are available depending on the level of coverage that you need. Maintenance plans offer basic cover for preventive and emergency treatments. They typically cover two oral hygiene check-ups and two exams per year; however, the amount you will pay per month varies according to the dental clinic because you are paying the dentist directly.
Comprehensive capitation plans usually offer unlimited treatments, including minor treatments such as cleaning and filling to major procedures, including root canal treatments, crowns, and bridges. The capitation plans are usually better suited to people who require extensive dental work and can incur an initial joining fee.
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Save Money
One of the biggest benefits to using a dental plan is that is can save you money both long and short term. A typical insurance plan including dental coverage can cost anywhere between £200- £300 per month, while joining fees for dental plans start as low as £50, and in some cases, there is no joining fee.
Studies show that people with serious dental problems or require significant dental work often need to pay higher premiums for added coverage, making them less likely to seek treatment. Dental plans offer a flat rate, so all members pay the same amount.
Dental plans also eliminate deductibles, so many dentists offer procedures at discounted rates helping you save even more money.
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No Limits or Caps
Insurance companies often cap the number of procedures or the total cost of dental procedures allowed in a single financial year. This means that if you go over this cap, you will have greater out-of-pocket costs for all dental treatments, even simple check-ups.
Dental plans have no caps or limitations on how many procedures you get and apply discounted rates to dental plan members. This means you and any family that are members on your plan can go for multiple treatments and procedures throughout the year without worrying about paying full price.
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No Waiting Periods
Waiting periods often mean that you need to wait months before receiving treatment, which can be a serious issue when it comes to dental health. Some insurance companies implement waiting periods of up to 12 months for major dental work, which can mean a long and painful wait for you.
Dental plans eliminate waiting periods and offer coverage from the moment your application is approved. You also don’t need to wait any time between procedures either or until you have reached a certain deductible amount so you can treatment as soon as you need it.
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Anyone Can Qualify with Health Conditions
Most insurance companies refuse to cover people with pre-existing medical conditions as they are deemed too high risk. Dental plans have no health restrictions meaning that anyone, regardless of their current health, is eligible for coverage. Talk to your dentist in Dunfermline about which procedures are available.
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Cosmetic Dental Treatments Covered
Cosmetic dental procedures include vital treatments such as braces and bridges, which are typically more expensive than other procedures. Many insurance plans do not include cosmetic dental treatments as part of your coverage or charge very high premiums if you want to include it. Dental plans do cover cosmetic dentistry but check with your provider as to exactly which procedures are included.
Final Thoughts
A visit to the dentist can cost a lot, but you can make the costs more manageable by applying for coverage with a dental plan. To learn more about the dental plans available to you, talk with your local dentist.
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