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Dental Plans vs. Dental Insurance Durant OK

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.

James Oplotnik
3621 Northwest 63rd St
Oklahoma City, OK
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Company: Access Advisory Group LLC
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Asset Protection Strategies & Planning,Individual Income Tax Planning,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,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insuranc

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ANCHOR INSURANCE AGENCY
(918) 688-6978
5810 E. SKELLY DR. STE. 620
TULSA, OK
 
Insphere Insurance Solutions
(918) 519-1017
1915 W C St.
Jenks , OK
 
Oklahoma Health and Life Insurance
(405) 409-7884
4013 NW Expressway
Oklahoma City, OK
 
United American Insurance Company.
(918) 766-6125
4821 South Sheridan Suite 226
Tulsa, OK
 
Delivering on the Promise
(405) 651-9090
mustang
mustang, OK
 
Bass Insurance Agency
(405) 340-7396
2 E 11th suite 206
Edmond, OK
 
Allstate Insurance Companies
(580) 924-7990
301 W Main St
Durant, OK
 
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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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