If you have dental insurance, you may have to pay for some dental work. The parts you have to pay can sometimes be important. This is especially true if you need to do a lot of work, such as crowns or root canals. Your dental insurance may account for 50-80% of your dental expenses, but there are usually a limit. Covered annually [usually $1,000 or $1,200]. When more than a year of maximum dental insurance benefits, many people began to experience the problem of paying for dental work. This is bad news... The good news is that there is a way to help pay for too much dental expenses. Here's what you can do... You can get a dental discount plan and use it with your dental insurance. You only need to make sure your dentist accepts your dental insurance and dental discount plan [a large number of dentists accept discount programs].
Buying a dental discount program can help you in two important ways:
1. Help you pay co-payments/co-insurance [the percentage that insurance usually does not include is 20-50%]. When you go to the dentist, simply submit your dental discount card with your dental insurance card. The receptionist will assist you in coordinating your insurance and discount plans to maximize your savings.
2. Give a discount when the annual insurance limit is reached. If you and/or when you exceed the annual maximum of your dental insurance plan, use your dental discount card to get a discount on the work you still need. After you have used full year dental insurance, you can save up to 50% on dental work through the dental discount program.
Considering how much you can save by using a discount dental program, they are definitely worth buying, especially if you need to do a lot of dental work. However, if your teeth are good and only clean, then insurance itself may be important to you. Here are some of the key advantages of the purchase plan:
The dental discount plan is:
Affordable. The average monthly cost per month is about $8.00 to $10.00 [most plans require you to pay a year in advance]. The plan can recover costs almost immediately. For example, if your crown often costs $1,200, your plan can be discounted at an average of $600. In this case, the plan paid six times for itself.
unlimited. You can use the program as much as you can in a year, with no restrictions. If you need to do thousands of dollars in work, this can save you thousands of dollars.
There are no pre-existing conditions. You won't be denied a discount card because of conditions, which is actually the best time to get a discount plan.
3 days waiting period [sometimes no waiting period]. You can make an appointment right away. This is especially useful if your teeth are injured!
These programs are offered by large insurance companies and there are many options to choose from. Some programs offer eyesight discounts and discounts for chiropractors.
Orignal From: Get a discount on dental work after the insurance is exhausted
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