Here are a few things to consider when shopping for the right plan:
Dental Insurance policies are typically characterized by monthly premiums, deductibles and annual limits.
Monthly premiums for dental insurance policies can be from $30/month for individuals to more than $100/month for a family. With the cost of health services and premiums for health coverage increasing, this simply may not be an affordable alternative. In addition, there may be deductibles to meet and this should be considered when calculating the overall cost of dental insurance.
Most dental insurance policies also cap the amount of benefit to an annual maximum of $1,000 to $2,000 a year. If dental work exceeds that, it's out of your own pocket.
Pre-existing conditions like a need for crown work, bridges or root canal may not be covered by insurance. Even if these procedures are covered, you might have waiting periods of at least 6 months with dental insurance. Why wait to have the work you need done today?
Dental Discount plans have no deductibles, no waiting periods and no annual limits on the benefits you can receive.
Unlike insurance, dental discount plan members pay an annual fee, allowing them to pay discounted rates at participating dental providers. Annual fees can be about $80 for an individual and up to $210 for a family.
There are NO deductibles and NO maximum annual benefits. There are waiting periods for pre-existing conditions and you can use your plan right away and as much as you need. There are no claim forms to deal with either. Here is a screenshot showing sample savings with Aetna Dental Access, a very popular plan and the one I have:
In summary, dental discount plans are an affordable and convenient option to dental insurance. It's available to everyone and all age groups.
If you are 65+, your medicare coverage and your Medigap or Medicare Advantage plan DO NOT cover dental procedures. Many plans also cover: vision, hearing and include prescription drug discounts.
The financial consequences of a terminal illness can be catastrophic, but the An Alliance For Life, its benefits, and certain restrictions and limitations may offer a strong measure of relief, and provide comfort during a difficult time. For more information about the LBR, contact a local Atlanta agent by clicking on the “Talk to Us” button.
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