Is Family Dental Insurance Right for You

Dental procedures are insanely expensive. Dental insurance, although expensive, can pay off when it comes time to have a dental procedure done – but only if you have coverage before the problem starts. This is where many families become confused.

Dental insurance plans have what is known as a pre-existing clause. This means that, unless you have insurance before the dental problems started, they will not be covered by your insurance. So, not only will you be paying for expensive dental insurance, you will also have to pay the cost of the procedure that you need done. You will also find out that you have to wait at least a year before any current dental problems will be covered by your insurance.

This is not something that people do not usually know about ahead of time. They purchase the plan, pay their premium, and then find out that the work they need done will not be covered. This leaves them in pain and wondering what to do to fix it. Luckily, there is a solution.

For families that do not have dental insurance before a problem starts, a dental discount plan is just the solution they need. Unlike dental insurance plans, pre-existing conditions are not a problem. You can start receiving benefits and get the work you need, right from the moment you purchase the plan. This allows you to get relief now.

Dental insurance, like health insurance, has a pre-existing clause. This means that, if you already have dental problems, the work needed to repair it will not be covered. You would have had to purchased the insurance before the problem started. If the insurance will cover the cost at all, you will have to wait at least a year before it is covered. And, if you are in pain, you need a solution today.

Thankfully, there are discount dental plans that can help. They work differently than dental insurance plans. They work more like club memberships. You pay your monthly fee and you are offered discounts on most dental services – anywhere from 10% to 60%. The monthly cost is much less than that of dental insurance. And, best of all, there are no pre-existing conditions to worry about which means that you do not have to wait to get rid of your pain.

Always do your research first and search through the dental plans in your area to ensure your getting coverage on what your family needs.