An increasing number of employers these days are making their numbers add up by not offering a dental plan as part of their employee benefits package. In light of this fact, patients are left to make a decision – do they pay out for their own dental cover or do they look for an alternative arrangement? It may seem obvious that if you have the money, you pick the private dental coverage – but that is only the case if you aren’t aware of the alternatives on offer.
More and more people are rejecting the opportunity to pay for dental insurance policies in favor of paying for discount dental plans which may not remove all of the costs involved in dental treatment, but will definitely reduce the costs. Before you even go to the dentist’s surgery, you’ll know how much your treatment is going to cost. And this is a positive compared with standard dental insurance, because increasingly those policies are leading to contested claims with insurers who are reluctant to pay out.
It’s fair to say that not all dental insurance plans are like that – if you can get full coverage at a price you can afford, it’s worth it. But those policies are harder and harder to get hold of, as companies are keen to control their costs, so it takes some effort to find the plan that suits you. It is at least worth considering that a dental discount plan might make more sense than any other option right now. After all, with insurance premiums you’re paying something out every month that you might never cash in.
One reason that many people give for choosing dental insurance is that under their policy they can get coverage for their whole family. While this is obviously attractive, it also doesn’t necessarily mean the policy is better than a discount dental plan – there is a wide range of cards and plans available that cover families for a range of eventualities. Which is useful when you bear in mind the different risks that kids and adults put their teeth through.
It’s an undeniable truth that it’s better to pay out nothing than pay out something. But increasingly, those are not the options on offer with dental insurance and dental discount plans. If you are expecting your dental insurance plan to pick up every cost, you might get a very rude awakening at the end of the month when your statement comes out. It’s worth bearing in mind.