I am currently "shopping" for dental insurance. I am very confused right now. I don't know if a dental work discount plan, or full coverage is better. It doesn't seem like a discount plan would cover what I need done (major stuff like tooth removal and root canal) but it seems like with a full coverage plan I would have to pay a lot, which I can't really do. Can anyone explain some pros and cons? What is a deductible..what does that mean? Do I have to pay it on top of a monthly payment for full coverage? Any type of help will be appreciated! Thanks!
--------------------
A deductible is usually an annual requirement. It means until you pay the required amount annually, you will NOT be able to receive any benefit for that year. For example, for you to receive any coverage, you will have to pay that deductible, say the $50, whichever amount is applicable to your plan....and only then will you get the coverage for the exam, x-rays and fillings, etc. SInce it is annual, if you go to the dentist in November, you will have to pay that $50...and then In January of 2010, you will have to pay $50 again just to get the coverage for that year. In other words, until you pay the deductible, your insurance does not kick in for that year. You can go with the discounted plan, if you cannot afford anything else and get the basic work done. Then go to a local dental school or community health care center for a cheaper / affordable price for the other work. Good luck ! Therefore, IT IS an additional expense on top of your regular premium. I would say it is better to start off in the beginning of a year with such plans.
Source
No comments:
Post a Comment