For people who have found traditional dental insurance too expensive, many have turned to what is commonly referred to as a discount dental card. Instead of buying dental coverage, they buy this card and have instant access to a list of participating dentists who will offer every cardholder dental treatment at reduced rates. There are advantages and disadvantages of holding the card, advantages over traditional insurance and shortcomings. Below is a list of the pros and cons of a dental card.
The best thing about these cards is that unlike traditional dental insurance, there is no waiting period. Insurance plans require those applying for coverage to wait 12 months until pre-existing conditions are covered. The cards work right away. Another big advantage is that the membership fees to get the card are much lower than regular insurance premiums. Finally, the discounts offered with the card are important. Depending on the company you receive the card from, the discounts range from 40% to 70%.
With traditional dental coverage, you only have to pay a small co-payment amount at the time of the visit. With the card, you must pay the entire balance owed to you at the time of the visit. Plus, even if the discounts are big, expensive procedures will always leave you with a big bill. For example, dentures that cost $ 2,000 will end up costing you $ 1,000 if the card offers a 50% discount. While the reduction is significant, the cost to you is also significant.
Finding a Great Dental Discount Card
A dental discount card, also called a referral card, is a fee-for-service, member-based, discount card for dental care and intervention. In it, the person paying for the dental services is the referred patient and the insurance company or a third party pays the remaining balance between the referral amount and the regular charge.
There are several kinds of dental plans available to people. First of all, there are no deductibles, co-pays, payments, or coinsurance required. This means you don’t have to pay for an expensive emergency procedure out of pocket. This also gives people the option to use an ordinary dental plan. The good thing about this plan is that it is less expensive than a regular plan.
Dental discount cards
It is important that dental discount cards are issued by licensed dentists. You may think that you can get one from any office supply store or discount clinic but do you know the difference? If you’re not sure, then you should definitely go to a dentist who is licensed. You want someone who will give you quality service and will not pressure you to buy their plan. Remember, a dentist who has no experience will not know how to best handle your situation.
There are a lot of insurance companies that offer these plans. Some are very affordable. They offer low deductibles and low payments. However, they also provide high co-pays and high payments for their services. This means that you may be paying a lot more money than you should for your procedures than you need to.
You should also check if the insurance companies you’re thinking of applying to have any restrictions in regards to your procedures. For instance, some insurance companies may only allow you to get certain procedures done. In other words, you may be able to get braces but not get root canal treatment. Some insurance companies even require that you get a prescription before getting any dental services so you have to take the time to find out the details before deciding to apply.
Remember to get a referral from your dentist for a dental discount card. This will help you get the best price possible on your services. You can find the name of your dentist in your phone book and contact them. to find out more information.
It is important to know how much you can afford to pay for dental services so you don’t end up overpaying when getting your dental card. There are many websites where you can get the quotes for different types of dental services.
The best thing to do is make sure that the company you’re going to provide good customer service so that you can get to know the staff there. When you use their website, make sure to fill out the application thoroughly and ask questions so you can get the best deal for your needs.
Searching for dental discount cards
When you are searching for dental discount cards, make sure to search for one that offers a range of services. For example, there are some types of dental treatments that are completely covered by some plans while others will only cover specific procedures.
Make sure that when you get your dental discount cards, you also include cleanings and x-rays with your services. Many people do this but not all. So if you aren’t planning to get a cavity filled, look for a plan that covers these services.
A good plan will provide free services like cleaning and x-rays. and will also offer discounts if you are using services for multiple people. This will help you save money.
By using these tips, you can find a dental discount card that fits your needs. and budget.