There are some insurance agents out there gritting their teeth and shaking in their boots right now, but I don’t care. It’s time everyone knew the truth about dental insurance plans. You see, most people are under the impression that they can put off seeing a dentist until they feel that it’s absolutely necessary and then they’ll be able to call up their insurance agent, grab a new dental insurance policy, see the dentist, file the claim and live happily ever after. Is this what you think? Have you been deceived too? Don’t feel bad because most people have been. Here are three reasons that dental insurance is not a good deal.
#1. Dental insurance is no different than any other type of insurance. It does not cover anything that is considered to be pre-existing at the time that you bought the policy. This means that if you buy an insurance policy today, see a dentist and get your teeth worked on that your claim will be denied and you’ll have to pay 100% of the costs, unless it’s an appointment for basic care, such as cleaning, but even then you’ll have to pay your annual deductible and co-pay.
#2. Cosmetic dentistry, such as teeth whitening, dentures, orthodontics and other dentistry that has to do with improving your personal appearance, is not covered in a standard insurance policy. Teeth whitening may seem like a luxury, but not having any dentures to chew your food with is a problem for many individuals, especially many of our seniors who can’t possibly pay full price for them.
What about braces for a child that desperately needs them , but their parents are on a limited budget? In order to have any type of expensive orthodontics care covered you would have to buy an expensive policy called “orthodontics insurance”. These plans are limited and most still won’t pay more than 50% of the costs. You’ll still be responsible for your deductible and co-pay also. Are you beginning to see my point?
#3. Here is the big kicker. Most dental insurance plans will only pay an annual maximum of $1000-$2000.00. In other words, after you’ve paid up your annual deductible for the year you can only expect to get $1000-$2000.00 worth of assistance from your insurance company, after that you’ll be paying 100% of the costs yourself. Many people pay thousands of dollars into their policies over the years without ever having to use them to this extent and then get the news when they need the dental care most. I’m telling you right now that dental insurance is not the way to go for dental care.
If you need to buy a dental plan for an individual or family, your best, most reliable option is to buy a discount dental plan instead of insurance. Discount plans simply offer big discounts on both preventive care and major dental, including pre-existing conditions, dentures, braces and more. You simply need to visit a participating dentist anywhere in the USA and pay them in full at the time of your visit. You will save as much as 60% when you visit the dentist and the costs will be predetermined before the work is ever done, so you don’t get any hidden surprises.
Don’t waste your money on dental insurance anymore. Do a bit of research and you’ll know that what I’m saying is a fact, not fiction. After you do that grab a discount dental plan and start saving money.