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Dental Plans vs. Dental Insurance Aurora CO

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full.

Perry Neva
1427 Glencoe St.
Denver, CO
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Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Capt

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Englewood, CO
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Little's Loving Home Services
(720) 216-1057
14231 E. 4th Avenue, Suite 218
Aurora , CO
 
KAISER PERMANENTE - DAKOTA, DENVER
(303) 344-7859
10350 E. Dakota Avenue
Denver, CO
 
Kaiser Permanente - Hidden Lake
(303) 344-7747
10350 E. Dakota Ave.
Denver , CO
 
Will Killhour III
501 South Cherry Street
Denver, CO
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Company: Waddell & Reed
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Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finance

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Gary Kennington
7015 West 62nd Ave.
Arvada, CO
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Title: Financial Retirement Specialist
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Years Experience: 20
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KAISER PERMANENTE - PARKER, AURORA
(303) 306-2544
2530 S. Parker Road
Aurora, CO
 
Healthstatrx
(303) 824-1124
Aurora, AK
 
HEALTHONE - CORPORATE OFFICE, DENVER
(303) 788-2518
4900 S. Monaco St.
Denver, CO
 
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Dental Plans vs. Dental Insurance

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Dental Plans vs. Dental Insurance

If you don't have insurance through your employer, or are self-employed, you may be struggling with getting a reasonably priced dental insurance plan. The costs of an individual policy can be quite high and the coverage is likely to be less than you'd get with any group plan or employer plan.

What are your options?

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full. You will get that discount on the spot. You don't have to wait for reimbursement from your insurance. You don't have co-payments or deductibles to worry about.

For the price of a yearly membership, you will have the right to use any dentist who is part of the group-buying club. You'll only pay for the dental services you actually use, as opposed to paying an insurance premium that often assumes that you'll make a certain use of dental services.

Another benefit is that your membership fee is usually lower than the cost of your yearly insurance premiums.

What are your options? Well, if you are making use of high-priced dental services, the discounts may not save you as much as having insurance would have. Also, since you pay as you go with dental discount plans, if you have a particularly challenging year and there are a lot of dental services to pay, you'll be paying a lot more out of pocket. Insurance tends to soften the impact of a bad year much more than a dental discount plan would.

Insurance will often either prevent you from making payments up front or it will reimburse you more afterwards. Further, the services that are most often...

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