Inexpensive Dental Insurance- low cost full coverage protection « Health Insurance Advisory

Inexpensive Dental Insurance

Inexpensive Dental InsuranceHaving full coverage dental insurance is very affordable.  With many types of plans to choose from,  it is easy to secure an individual dental insurance plan that fits your budget.  You can even keep your current dentist!  Regardless of where you live, from California to the Carolina’s, we can help you find an inexpensive dental insurance plan.

Studies show that individuals without full coverage dental insurance are likely to forgo preventative dental care (exam, cleaning and x-rays) and visit the dentist only when there is a problem.  According to the American Dental Hygienists’ Association, oral health is a critical component of total overall health.  Recent research has linked periodontal disease to heart and lung disease, including  other systemic diseases.  Almost 30% of elderly adults no longer have their natural teeth due to tooth decay and gum disease.  Dental caries (decay) is the most common chronic disease nationally and is preventable through the use of fluoride and dental sealants which  cost 50% less than one silver filing.

Cost of restorative treatment is more expensive than preventive services

Average Cost of Common Dental Procedures Min. Cost Max. Cost
Exam & Cleaning $86 $110
Complete X-Ray Series $123 $171
Filling $119 $181
Root Canal $1,315 $2,351
Crown 1,144 1,443

The Coalition for Oral Health, representing a wide spectrum of oral health associations, reported that $1 spent for prevention saves from $8 to $50 in dental restorative care.

If you do not have full coverage dental insurance or are paying too much for dental coverage, we can help you secure an inexpensive dental insurance plan. Get a quote today!

Benefits of Inexpensive Individual Dental Insurance

Individuals, families, retirees and students purchase full coverage dental insurance for many reasons, the more common being:

1. Financial protection – without some form of dental insurance to help cover the cost of expensive dental procedures, such as restoration, surgery, endodontic and periodontal services, is simply not affordable.

2. Maintenance of a healthy mouth and overall health and wellness – studies show that regular dental check-ups and cleanings help maintain overall health. That is why most individual dental insurance plans pay 100% for a routine exam and cleaning every six months.

3. Prevention – from fluoride treatment to sealants and braces, even children can benefit significantly from regular professional dental care.  An individual dental insurance plan makes the cost of preventive care more affordable, so you do not have to put off dental care until you have a problem.

Full Coverage Inexpensive Dental Insurance- Covered Services

Most inexpensive dental insurance plans cover the following dental services:

1. Preventive: cleaning, exams, sealants and fluoride treatment

2. Diagnostic: bitewing x-rays and full mouth x-rays

3. Basic: fillings, simple extractions and repairs

4. Major:

  • Oral Surgery
  • Periodontics – treatment of diseases affecting the gums and supporting structures
  • Prosthodontics – replacement of missing teeth and related mouth or jaw structures by bridges, crowns, dentures or other artificial devices
  • Endodontics – treatment of diseases of the dental pulp, tooth root, and surrounding tissues, including root canals

5. Orthodontia: correcting irregularities of the teeth by the use of braces or other devices

Some individual and family dental insurance plans have waiting periods, while others may increase the percentage the dental insurance policy pays toward covered dental services every year you have the dental insurance plan.

Types of Full Coverage Inexpensive Dental Insurance

There are several types of individual dental insurance plans, including:

  • Dental Preferred Provider Plans
  • Dental Maintenance Organization (DMO) Plans
  • Scheduled Reimbursement Dental Plans
  • Discount Dental Plans

Indemnity Dental Insurance

These ae “traditional” dental insurance plans where the health insurer covers a percentage of dental expenses. Since there are no network providers you can obtain care from any dentist.

After you satisfy the deductible, the dental insurance plan generally covers the following dental services up to an annual maximum (usually between $1,000 and $2,000):

  • 100% of preventive services (cleaning)
  • 80% of restoration services (root canal)
  • 50% of major treatment, such as orthodontics (braces)

Indemnity dental insurance pays based on the Reasonable and Customary (R&C) charge. That means if your dental provider charges more than the R&C expense, as determined by the dental insurance company, you will be responsible to pay your dentist the difference.  Additionally, individual dental insurance may contain waiting period(s) for certain services.

Benefit payments for covered dental services made by the dental insurance policy can be paid to you or directly to your dentist (if you assign them).

Dental Preferred Provider Plans (PPO)

Although, generally less expensive than indemnity dental insurance, PPO (Preferred Provider Organization) dental plans work very similarly. These dental plans offer the option to obtain dental care from a network provider. Since the dental insurance company has negotiated discounts with participating dental providers, you pay less for dental services. While individuals can also seek treatment from dentists and dental providers outside of the PPO, they will generally be responsible for higher deductibles and/or co-payments.

Just like indemnity dental insurance plans, benefit payments made by the dental insurance plan can be paid to you or directly to your dentist, if you assign them. Reasonable and Customary, however, does not apply when dental services are received by a participating dental provider. This means your dentist cannot bill you for the difference between the negotiated rate and his/her retail charge for the dental services rendered.

DMO Dental Insurance

These dental plans, also called DMO’s, operate the same as health maintenance organizations.  As a result, they maintain a much smaller network of dental providers because DMO’s pay a set fee each month to the participating dentist you select. This payment, often referred to as the “capitated” rate, represent pre-payment by the dental insurance company directly to your dentist for providing dental care, regardless of how much or how often you need dental services.

DMO dental insurance plans reward participating dentists who keep patients in good health and keep plan costs low. The rate or premium for a DMO dental insurance plan is generally the lowest of any type of dental insurance policy. Your out-of-pocket expense for dental services is also less too. However, the trade off is less flexibility because there are much fewer dental providers to choose from than traditional PPO dental insurance plans and your care must be rendered or managed by the dentist you select.

Scheduled Reimbursement Dental Plans

A scheduled reimbursement dental plan pays a fixed dollar amount based on the fee schedule that appears in the dental insurance policy. This fee schedule lists a wide range of dental services and shows exactly how much the dental insurance plan will pay you or your dental provider (if you assign benefits) for each service. Most scheduled dental insurance plans include a deductible and calendar year maximum. Some have waiting periods for certain procedures.

You are responsible for paying your dentist the difference between what the dental insurance policy pays and the amount of your dentist’s actual charges.

Dental Discount Plans

Discount dental plans are not insurance. They simply provide discounts for a wide range of dental services when care is obtained from a network dentist. The entire family can use the discount plan. Since there is no waiting period(s) you can receive treatment immediately. These health discount plans represent a great value and excellent alternative if you do not have or cannot afford full coverage dental insurance.

At healthinsuranceadvisory.org, we offer our visitors a FREE health discount card. This program offers significant discounts on prescription drugs, dental expenses and vision services at major chains and local providers across the country. Everyone qualifies. No enrollment, membership or monthly fees. Use it immediately for the entire family. There are no usage restrictions and you are not required to provide personal information to get one!

Start saving today. You will realize discounts up to 65% on prescription drugs, 25% to 40% over usual charges for dental services and 10% to 50% off eyewear, contact lenses and exams. Download and print your FREE health discount card now!

Let healthinsuranceadvisory.org help you find affordable online dental and medical insurance quotes today.  You can even apply online.  Since medical insurance premiums are regulated, you can have peace of mind the premium you pay is thew same as buying direct from the insurance company.  We bring you a better selection, better tools and more complete information so you can make a more informed decision.

Low Cost Medical Insurance and Inexpensive Dental Insurance Plans

  • How to Secure Low Cost Medical Insurance

    Binoculars Inexpensive Dental Insurance  low cost full coverage protectionLooking for low cost medical insurance? Healthcare costs are increasing at 7-9% per year, more than twice the rate of inflation. As a result, individuals covered under individual medical insurance plans have experienced premium increases of 20% or greater. If you one of the roughly 14 million people under age 65 who purchase medical insurance in the non-employer group or individual market, how can you secure low cost medical insurance and help prevent large renewal increases?

    Avoid these common mistakes and you will reduce the premium you pay for medical insurance and save money on healthcare expenses:

    Buying too much medical insurance – one of the biggest blunders individuals make when choosing an individual medical insurance plan is paying a higher premium for a health insurance that features copayments for physician office visits. Purchasing an individual medical insurance plan where all covered healthcare expenses, including physician office visits, are subject to the calendar year deductible makes more financial sense for most people.  If you visit the doctor only 2-4 times per year, then your premium savings will likely be greater than then entire cost of these office visits.

    Choosing a low deductible – most health insurers deliberately price their higher deductible medical insurance plans much more competitively because they prefer their customers to have “more skin in the game.” Your premium savings can be substantial. For example, the premium reduction for an individual medical insurance plan with a $2,500 deductible versus a $1,000 deductible can be 25% or more.

    The easiest way to determine what deductible is best for you is quite simple. First, calculate the annual premium savings between the two medical insurance plans. Secondly, subtract the lower deductible from the higher deductible. Lastly, compare these two numbers. For example, if the annual premium savings is $700 and the difference in deductibles is $1,000 ($2,500 – $1,000), then ask yourself “what is the likelihood of me incurring more than $700 in healthcare expenses?” If you do not anticipate spending the additional money, then take the higher deductible medical insurance plan.

    A Health Savings Account paired with a high-deductible plan can generate even more financial savings because you can deduct your qualified out-of-pocket healthcare expenses from your taxes. This includes, medical, dental and vision expenses. As of January 1, 2010, 10 million people were enrolled in HSA-linked medical insurance plan, a 25% increase over 2009! Learn more about Health Savings Accounts (HSA’s) here.

    Not knowing your options for health insurance – with the passage of the new healthcare reform law, called the Patient Protection and Affordable Care Act, many new consumer protections are now in effect. For example, individuals less than age 26 can remain covered under their parent’s medical insurance plan regardless of their age, marital, employment or financial status. Additionally, health insurance companies must accept children less than 19 years of age regardless of their health status and cover pre-existing health conditions. Also, the Federal Government requires each state to establish a Pre-Existing Condition Health Insurance Plan for individuals that cannot qualify for an individual medical insurance plan due to a pre-existing health condition.

    There are other medical insurance options that you may qualify for including HIPAA and COBRA. While these may not be cheap medical insurance, if you are unable to qualify for medical insurance because of an existing medical condition, then these alternatives may help you at least secure health insurance. Whatever your situation, you can learn your medical insurance options here.

    Paying for preventive care services - the new healthcare law also requires all non-grandfathered individual major medical insurance plans cover preventative health services at no cost to the insured. (A non-grandfathered medical insurance plan is a policy that was effective prior to March 23, 2010). As a result, this mandate makes higher deductible plans more appealing because preventative health services are free! Regardless of the type of individual medical insurance plan you have, it is no longer necessary to put off seeing the doctor for a check-up because it is too expensive. So, protect your health and future insurability by getting a routine exam and screening services that are appropriate for your age and gender. Generally speaking, the healthier you are and the fewer claims your health insurer pays, the less you will pay for an individual medical insurance plan.

    Obtaining healthcare from out-of-network healthcare providers – since most individuals are covered under some form of managed care network (PPO, POS, EPO, HMO, etc.), always verify if your healthcare provider is a member of your provider network when calling to make an appointment. Virtually all medical insurance plans today require the insured to pay substantially more out-of-pocket when they obtain care from a non-network provider. Even if your physician or specialist is a network provider, make sure any other healthcare providers they refer, such as lab or imaging center or outpatient surgi-center are also participating providers. Being extra diligent upfront will result in saving hundreds or thousands of dollars. Do not assume every healthcare provider participates in your medical insurance plan.

    Using brand name medications and not shopping around for the best Rx price – ever notice in your doctor’s office pharmaceutical sales representatives running in and out of the door? The marketing of prescription drugs is a multi-billion dollar business today. These highly compensated pharmaceutical sales representatives are paid to get healthcare providers to prescribe drugs their company manufactures. When you consider that physicians do not know how much a drug will cost under a particular medical insurance plan when purchased at a specific pharmacy, it pays to be a good consumer. Ask your doctor if there is a generic equivalent or over-the-counter alternative.

    Additionally, always call at least two pharmacies to check the price before you fill a prescription. You will likely be surprised at how much drug prices vary. Do not assume the pharmacy, just because it is a self proclaimed “low price leader” such as WalMart or warehouse store like Costco, will have the lowest price on every drug. Many retailers offer low prices on certain drugs, but are more expensive on other medications.  Beware of this promotional pricing approach. If your medical insurance plan does not cover prescription drugs, then get a stand-alone prescription drug card or health discount plan that provides discounts on medications through participating pharmacies.

    Paying retail for medical, dental and vision expenses – always carry a health discount card in your wallet or purse. These non-insurance plans will enable you to receive discounts on dental care, vision exams, contacts lenses and glasses, and prescription drugs. Even if you do not have an individual medical insurance plan, you can still save money. At healthinsuranceadvisory.org our visitors can get a a free health discount card.  Download and print your free Health Discount Card today!

    Not having medical insurance – if you have a very limited budget or even a pre-existing medical condition and are unable to qualify for an individual medical insurance plan, you can still secure low cost medical insurance. Mini Med, Limited Benefit and Pre-Existing Condition Medical Insurance are often referred to as the cheapest health insurance. Unlike major medical insurance, these scheduled medical insurance plans pay a fix amount (indemnity benefit) for each type of covered benefit. That is why they are considered supplemental medical insurance. They are better than going without health insurance because you have some financial protection again large medical bills and a medical I.D. card. Without at least some form of health insurance you will likely find yourself with limited access to healthcare providers and medical treatment.  Get an online medical insurance quote now for the cheapest health insurance. You can even apply online too!


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