Best Dental Plans Reviewed

We’ve broken down some of the most best dental plans available online so that you, the consumer can understand exactly what you’re getting for your hard earned money when you join. We’ve included both Discount dental plans and dental insurance here so you can review both types of plans and then determine which is the best dental plan for you or your family.

Dental Insurance

The first thing we’ll take a look at is dental insurance. This is probably the least confusing as insurance is what we’re accustomed to buying when we need protection. This is apparent by our need for coverage for our auto, home, medical, renters, etc. But is it one of the best dental plans or not? Read on.

The biggest difference with dental care is that “insurance” is actually defined as “protection against an unforeseen event”. This definition is what makes it impossible for insurance companies to automatically provide coverage for new policy holders because they have what are known as “pre-existing conditions”. A pre-existing condition is something that was already there before you purchased the protection.

Here’s an example of a pre-existing condition. Let’s say that you just purchased a used car and you need to buy auto insurance. You’ll fill out the paperwork, etc, but then an agent will grab a clipboard and go outside to verify the VIN number and do a visual “walk around” of the vehicle. They do this to take notes and pictures of any existing damage that may be there. Do you know why? Because they don’t want to pay for it! In the event that you get in an accident, they’ll need proof that there was already damage to the vehicle there so they don’t have to pay.

Dental insurance works exactly the same way. Once you’ve purchased a policy you’ll want to set up an appointment with your new dentist in order to get x-rays, make an appointment for cleaning, get an in-depth check-up, etc.  At this time the dentist will be creating a record of all existing conditions.

They’ll account for any decayed or missing teeth, gingivitis and any other needs that you may have. The insurance company will notify the dentist what they will and will not pay for and you can plan on being responsible for 100% of all pre-existing conditions for the first 6-12 months of your policy.

Dental insurance is good to have, however if you don’t have a policy, and you need to see a dentist right now, then the best dental plans might be one of the following.

Discount dental plans

Discount dental plans are not like dental insurance in the traditional sense. They do not provide coverage and they do not pay the dentist for any procedures. What they are is simply a network of dentists that has agreed to provide professional dental care at a substantial discount. The only stipulation for using the plan is that you must pay for each visit in full at the time of your appointment.

Now, before you jump off of the boat let me explain something to you about these discount plans. First of all, they offer BIG savings, not just a little. Most plans offer between 10-60% savings on things like braces, dentures, and much more. That means that paying for your visits to the dentist are now much more affordable. That’s what make discount plans some of the best dental plans money can buy, especially if you need to see a dentist immediately.

Other reasons why discount dental plans are some of the best dental plans are as follows:

#1. Pre-existing conditions are no problem. Since the plan isn’t insurance, you can be seen for any reason.

#2. No waiting period for dental care. If you’re in pain you can see a dentist fast!

#3. No age limitations

#4. Very little paperwork to deal with. Once you’ve become a member you’ll receive a discount dental card. Simply let the dentist know at the time of your appointment and show the card at the time of your visit. No problem.

#5. Discount plans provide instant savings on orthodontic braces, as well as dentures. This is another thing that makes discount plans the best dental plans. Dental insurance doesn’t provide for Orthodontics. You must buy a separate policy just for that.

#6. Some plans even offer savings on cosmetic dentistry.

Some of the best dental plans available are accessible through discount dental plans, such as Aetna, Careington, American Dental Plans and more.

Do You Have Questions About Discount Dental Plans? Would You Like To Find A Participating Dentist Near You?

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