If you’re like many Americans, you may sometimes struggle to strike the balance of affording what you need while making ends meet. Living paycheck to paycheck can be stressful, and it becomes even more so when serious matters arise that include significant expense.
For example, many Americans today do not have adequate dental insurance. This often results in either paying out of pocket in full for expensive dental services, or ultimately neglecting proper dental care to save money.
Did you know there’s another option? In fact, there are dental savings available that are not tied to traditional dental insurance. If this is news to you, read on for 3 things you need to know about dental insurance alternatives.
1. You can save on dental care without insurance
"For example, many Americans today do not have adequate dental insurance. This often results in either paying out of pocket in full for expensive dental services, or ultimately neglecting proper dental care to save money."
One of the most popular ways to obtain dental care for uninsured individuals and families is through a dental discount plan like Dental Solutions. With this savings program, you pay a small monthly or annual fee, gaining access to a nationwide panel of participating dentists who offer 20%-50% off normal retail costs for general and advanced dental services.
In some cases, alternatives for affording dental care are available through local dental clinics or local charitable programs.
2. Weigh your options
While there are opportunities to receive low cost dental care, or even free dental services, it's always in your best interest to weight the pros and cons of your options. For example, a local dental office or charitable program may provide dental savings, but consider that it may only be during a select promotional period, or there could be long waits associated with the offer.
On the other hand, a dental school could be a great option for finding discounted dental care, but remember dental students in training will be preforming services. Ultimately, finding the right dental care that meets your budget can be accomplished through researching options in your community and deciding which best fits your needs.
3. Compare dental discount plans
One of the reasons dental discount plans are such a popular alternative to insurance is that they are generally fast and simple to take advantage of. It’s as simple as filling out an online form, receiving your savings card in the mail, and bringing it to a participating provider’s office. After you receive services, you’re presented with a bill that has the contracted discount already applied, and you simply pay the balance. You can even begin using the plan immediately following registration while waiting for your card.
Affordability is an important factor when comparing dental discount plans, and not every savings program is the same. Compare plans to see which services are included, and the differences in the monthly or annual fee.
Another detail to learn is who is included in the savings plan. For example, some programs offer savings specific for individuals or families, while others, like Dental Solutions, include an entire household, regardless of how much or how little each family member takes advantage of the plan.
If you’re like many Americans, you may be able to use some help paying for dental care while trying to make ends meet. The Dental Solutions plan offers savings on both standard and advanced dental services for just $9.95 per month (or $109 for the whole year), with no contracts or obligations. Consider a dental discount plan as a way to receive care conveniently and affordably.
