How You Can Save With a Dental Plan vs. Dental Insurance

ent">that is the UCR fee that they have set. With a dental
I’m compelled by my good nature to share anplan, the company sets the price you will pay the
incredible discovery. In doing some comparisons of adentist even if he charges more.
dental plan to a dental insurance, I discovered someAt least 90 percent of dental insurance policies carry a
very important distinctions. With the recent need to cut“missing tooth clause” or a “replacement
back on many of our expenses, a vast majority of usclause.” Many dental insurance policies include at
are facing the struggle to keep our health insuranceleast one of these clauses, but most have both. A
cost at a minimum. And for many of us, the addedmissing tooth clause protects the insurance company
expense of dental insurance is something that is put onfrom paying for the replacement of a tooth that was
the back burner until it’s too late. Even if youmissing before the policy was in effect. For example, if
have dental coverage" with your current insuranceyou lost a tooth before your coverage started and
policy, when it’s time to visit the dentist we findlater decided that you would like to have a partial,
that the insurance policy does not cover everythingbridge or implant, the insurance company would not
we think it should. Have you ever tried to use yourhave to pay for that service if they have a missing
dental insurance when you have had your teethtooth clause in the plan. A replacement clause is similar
whitened? Good luck. With a dental plan, cosmeticexcept that the insurance company won’t pay
dentistry is covered.to replace procedures such as dentures, partials or
I think it is important to learn the facts before you canbridges until the specified time limit has passed. In my
best decide on the purchase of insurance coverageresearch I found dental plans will cover you within 24
for something so important.to 48 hours including preexisting conditions and one
Almost all dental insurance companies use what iscompany even covers dental implants.
called a Usual, Customary and Reasonable (UCR) feeWell, now you have an alternative to that expensive
guide. This means that the insurance company setsnecessity and it’s called a Discount Dental Plan.
their own price that they will allow for every dentalFor a small annual membership fee you can visit your
procedure that they cover. This is not based on whatdentist for anything including preexisting conditions and
a dentist actually charges, but what the dentalcosmetic dentistry. A good dental plan even covers
insurance company wishes to cover. For example,things like dental implants which most dental insurance
your dentist may charge $95 for a dental cleaning, butpolicies do not cover.
your insurance company will only allow $64 because