The Blog Street Journal

Dental Plan

Looking for Emergency Dental Insurance?

Unless you have Insurance at the time of the emergency, it is usually not an option. Today many Dentists accept discount dental cards and are even open for dental emergency patients. Normally with a Discounted Dental Plan you are able to get in to see the Dentist within 24 hours in cases od dental emergencies.

How Dental Insurance works:

Discount Plans has been around for a long time, but many consumers do not understand the difference between discounted plans and insurance. It’s not unheard of for a family of four to pay over $100 a month for dental insurance premiums. When ever the insured patient visits the Dentist, the insuring company pays a portion of the bill, usually with a direct payment to the treating office. The insured client usually will have a deductible of $100 or more which must be paid out before the Insurance Company pays. Once the deductible is met, the company will typically pay out between 50-80% of the bill, and that will vary depending on the type of dental procedure.

With insurance there are usually exemptions, where certain types of costly procedures are no covered, such as braces or cosmetic procedures. Of the dental work that is covered there may also be waiting periods, before certain procedures can be done. Also with Dental Insurance there are annual limits on your services. Without limits, exclusions and caps on the dental services the Dental Insurance Company would quickly go out of buisness.

A Better Option:

One of the options to consumers is the Discount Plan. Many Dental Insurance companies now provide Discout Dental Plans as an option. With discounted dental plans the member pays less. The Discount Organization contracts with local Dentists to provide their services at a discounted rate.

Why would a Dentist accept a discounted fee for their services? They are willing to provide them because the participating member, pays the agreed fee at the time of service. The prompt payment by the patient, eliminates to need to deal with the costly aspects of billing. There is no paperwork. The Dentist saves on advetising because the Dental Discount Plan Company sends patients to the Dental Office.

The Discount Plan concept works so well for the Dentists, that they are willing to provide deep discounts usually between 25-80% in most areas. The amount depends on the procedure. Bottom line with these plans, the Dentist and member both win.

Options for Emergency Dental Care Service:

1. Investigate Discount Dental Insurance with no waiting period.
2. Arrange for a Dental Emergency visit.
3. Some Dentists are open on Saturday for dental emergency patients. On Sunday you may have to go the the Hospital or wait till Monday.