How to Lower Dental Insurance Costs and Make it Affordable

Without dental insurance, we cannot have access to proper dental care treatments. However, with the insurance costs continuously on the rise, it is quite difficult to find a policy which offers enough coverage, but which is affordable too.

In order to enjoy a good overall hearth, it is important to take care of both dental and gum health. With regular checkups and treating teeth when the problem is still minor, you will not have any problems.

Sadly, some statistics released by Gallup Poll in 2011, show that as many as 35% of the American adults have not even visited the dentist for as much as a full year. What do most people say as an excuse of not visiting the dentist? The costs.

They find dental care very expensive, so most of them consider going to the dentist only when they need emergency dental treatments. People who were most likely to visit the dentist on a regular basis were those who did have proper dental insurance.

But again the numbers show that as many as 130 million Americans don’t have dental insurance at all…and even those who have dental insurance, have got an annual coverage of about $1,000 per year, which is not enough to cover for all oral health needs they encounter.

How to lower dental insurance & dental treatments costs:

Inform your dentist about your dental costs related concerns. Let your dentist know that you are concerned about the price of the dental treatments. He is going to suggest alternative treatments which are the same effective, but come on a more affordable price.

Research & Negotiate. Especially if you need more expensive dental treatments such as dental implants or braces, you should research the average price for those treatments in your area.

Check thoroughly your dental insurance to see if anything is covered and as a last step negotiate with your dentist the price. You should know that if your dentist tells you the cost of a dental implant is $3,000, it is possible to obtain a discount of even up to 15% or 20% if you pay upfront for example.

Consider the dental discount plans. Regardless of whether you have dental insurance or not, a way to reduce costs for expensive dental treatments is to use a dental discount plan.

For this, you will have to pay an annual membership, and then you will benefit of discounts between 10% and even up to 60% on a wide variety of dental treatments. Don’t worry if your dental insurance does not cover for root canal treatment, because a dental discount plan can save you up to 60% on such a complex treatment.

The free dental clinics. All you need is an internet connection, and you can find out within seconds where is the next free dental clinic held in your area. There are some eligibility criteria that you must fulfill, but other than that you can get from dental X-rays and up to denture repairs all sorts of important dental treatments for free.

 

Source: World Dental / http://worldental.org/dental-insurance/dental-insurance-costs-affordable/9989/

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