In today’s economy, every bit of saving counts. This is one reason people are traveling abroad for dental care because prices of dental crowns and bridges as well as same day implants cost in India, Mexico, Costa Rica and other leading dental tourism destinations are a lot less than in the United States, the United Kingdom, Australia and other developed countries. But if you aren’t up for traveling abroad for dental work, then you may be looking for affordable dental plans at home.
Family Plans
One way to get a more affordable dental plan is to sign up for a family plan. A family plan is typically around 50% more than an individual plan and can cover multiple people in your family. By signing up as a family you will save more money than signing up as an individual.
Veteran Plans
If you are a veteran of the US military, then you may be eligible for a discounted dental plan. Check with your local dental care provider to see if they offer a dental plan for US veterans.
Yearly Plans
Usually it is more economical to buy a yearly plan rather than a monthly dental plan. If you can afford to pay the total amount up front, try to buy a yearly plan.
Compare Plans
There are probably many different plans in your state. Some of them may be licensed and some may not be. In order to find the right dental plan for you and your family, compare different prices and see what each one covers. Licensed plans will have to adhere to strict guidelines set forth by your state.
One drawback to dental plans that you should keep in mind is that sometimes they are only applicable at participating clinics, which in turn charge higher prices. This makes the discount offered with the dental plan almost obsolete. Check not only the price of the dental plan, but also the price of various procedures at participating clinics to find out what your real savings will be.
Other Options for Dental Care
According to a Gallup Poll (covering the United Kingdom), low-income individuals are less likely to have visited a dentist than those in higher income groups. This may have something to do with the exorbitant prices one must pay out of pocket if he/she is not insured.
The Consolidated Omnibus Budget Reconciliation Act (COBRA)
If you are an American, the US congress passed a law to help you get dental coverage during times of unemployment. Your previous employer will be responsible for providing you with both dental and health insurance for up to 18 months after you’ve been let go.
Medicaid
This is an option for some Americans. To qualify for Medicaid you will need to meet eligibility requirements. The blind, disabled, and elderly may qualify for Medicaid. Those who are proven to be financially needy may also qualify. The requirements may vary from state to state, so it is advisable to see the requirements of your specific state.
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