Health and Dental Insurance Vs Discount Plans

There are many options available to Americans for health and dental plans. The most common health plan is regular insurance provided by employers, but there are other types of plans that don't cost as much. Dental plans are also usually provided by the workplace, but they are disappearing as employers are trying to cope with rising health costs. 46 million Americans are without health insurance and nearly 50% of this country has no dental insurance. Insurance companies only pay the doctor a small percentage of what they bill and the result is multi million dollar insurance companies.

Dental insurance works almost exactly the same way that health insurance does but dental insurance companies are usually much smaller. Discount plans like Humana and Ameriplan are the alternative to regular health and dental insurance. With these programs, you pay a very small monthly fee and in return the health and dental providers give you a large discount on their services. You pay the discounted price that insurance companies enjoy, but this can still leave you stuck if something really bad happens. Dental is better than health with these programs because no one is going to lose their house over a dental bill. Together you can have good coverage for substantially less than regular health insurance premiums.

Is Discount Dental A Better Deal?

The new discount dental plans provide for more flexibility in dental care over conventional dental insurance because they have no maximum benefits amounts and they do generally cover more procedures. These low cost dental plans are gaining in popularity with dentists and patience alike because they allow the dentist to provide proper care without an insurance provider having to approve of the procedure.

Here is an example of some of the savings provided by discount dental plans.
Household coverage under the Ameriplan Dental PLUS program is $239.88 annually ($19.99 monthly).

Ameriplan Dental PLUS your savings would continue all year long because there are no maximum benefits and your program also includes discounts on vision, prescription and chiropractic at no additional cost.