Discount Dental Plans

Many people are under the impression that Discount Dental Plans are not as good as Dental Insurance. There are pros and cons. You can go to http://www.marronfinancial.com/ and click on the dental section for more details.

Look at this simple example:

Let's say you have $2000 in dental expenses. For typical dental insurance plans your out of pocket expenses include the annual premium (assume $40 month/$480 year), a $50 deductible and a $1000 annual maximum limit. You would pay $480+$50+$1000 (the amount after the limit) for a total of $1530 out of pocket.

Discount Dental Plans for an individual average around $99 annually for the premium and there are no deductibles. There are also no limits, so the discount applies to the full amount of your expense. Let's use a 40% discount on all services for simplicity. So, you would pay $99 + ($2000 minus 40% discount = $1200) which is a total of $1299 out of pocket.

Which would you rather pay? You are way ahead of the game with Discount Dental Plans. If you need additional dental work the discount continues...there is no limit. Dental insurance is still capped and you must pay 100% until your next year starts.

Dental insurance often excludes orthodontics, but Discount Dental Plans keep applying the discount. Both insurance and Discount Dental cover preventative care for zero or minor fees.

If you already have dental insurance, you can use Discount Dental Plans to lower your costs and buy you more service before you hit your maximum limit. Employees can consider buying Discount Dental for their employees at a fraction of the cost of insurance. Even if you won't pay the premium, let your employees know about Discount Dental Plans. Send them to http://www.marronfinancial.com/ to learn more.