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Individual Health Insurance Coverage Article

Which do you prefer, Dental Insurance or Discount Dental Plans (Fee for Service)?
Raul Ramirez

Good dental health, as well as correcting dental problems, is

essential to overall health. Many Americans are finding
themselves without effective dental coverage to treat and
maintain their dental needs. This is due in part to businesses
increasingly cutting-back or offering inferior dental coverage
for prices many can't afford. So what are people to do? As a
result, people have started looking for alternatives for their
dental coverage needs especially online. The #1 question people
are asking is, "What's the difference between Dental Insurance
and Discount Dental Plans?"



There are distinct differences between the way dental insurance
plans and "discount dental plans work. Usually, dental insurance
is used by large groups and businesses to cover their employee's
dental care. Dental insurance is true insurance where monthly
premiums are paid for defined coverage. Dental insurance is not
readily available to individuals and families, unless provided
by their employer. The pitfalls of dental insurance include
annual benefit maximums, deductibles, waiting periods for
procedures, and limitations and exclusions. There are also
claims forms to fill out and submit. Dental insurance a lot of
times doesn't even cover the cost of preventative measure until
deductibles are met. You are able to use any dentist but the
monthly premiums for dental insurance may be as much as $30 per
month for individuals and over $100 per month for family plans.



Discount dental plans or "fee for service" plans, on the other
hand, are available for everyone whether or not you are covered
by a group plan. Fee for service plans are designed to provide
clients dental networks at reduced rates or better yet, pay a
certain amount and only that amount for services performed.
Discount dental plans are affordable and are the most widely
available dental programs for individuals and families. These
discount plans work differently than dental insurance plans, yet
provide consumers with real and substantial savings on most
dental procedures. Discount dental plans are membership-based
programs that usually provide coverage on an annual basis.
Consumers pay a membership fee in exchange for secured discounts
on most dental services, such as dental exams, routine
cleanings, fillings, extractions, root canals, dentures, crowns,
and braces. These plans typically save the consumer ten to sixty
percent off most standard out-of-pocket fees when visiting a
participating network provider. Most discount dental plans
provide a "fee schedule" with the discounted fees listed out in
the membership materials to ensure consumers will receive their
promised savings.



While there are several differences between traditional dental
insurance plans and discount dental plans, they can also be used
together in certain situations to maximize savings. Gulf Breeze
Insurance Inc. offer both plans but prefer to off the fee for
service plan for the basic fact our clients like to save money
and most need dental coverage now with no waiting period or
stipulations on the money they spend. The fact that you know
exactly what you are getting and saving is enough to prefer
these plans over any other. Many dentists will even tell you at
the time you checkout how much you have just saved. You can even
visit Gulf Breeze Insurance Inc. at
http://www.gulfbreezeinsurance.com to see if one of these plans
is available in your area and how much it can help you.



About the author:

Raul Ramirez is a licensed agent in the state of Florida. He
owns and operates Gulf Breeze Insurance Inc. an independent
insurance agency. Please feel free to use this article on your
site so as you include name of author and website.

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