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Dental Plans vs. Dental Insurance Pell City AL

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.

Brad Williams
2707 Artie St.
Huntsville, AL
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Lawrence Wall
2153 Riverchase Office Rd
Birmingham, AL
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Title: Investment Advisor Representative
Company: NEXT Financial Group, Inc.
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Years Experience
Years Experience: 24
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Isurance Producers of America- Alabama
(205) 451-6485
PO Box 36923
Birmingham, AL
 
Lee Lawrence
8128 Old Federal Rd.
Montgomery, AL
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Company: Affinity Partners, LLC.
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Investment Advisor Rep: Yes
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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,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirem

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(256) 746-9581
1060 Winchester Road
Huntsville, AL
 
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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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