Dental Insurance Plus, Need Major Dental Work
I have not been to the dentist since I was on my parents dental insurance plan, over seven years ago. I know I need dental work. I am not in any major pain or anything I just know that my teeth are not in good shape.
I am not sure if I should get a dental insurance plan with its waiting period and yearly max and do my dental services a little at a time. Or go for a dental discount plan for the dental saving and get my dental work done all at once. Which way in the long run would be cheaper?
Reply: Really choice may depend on a few personal factors for you. Such as do you want to choose and or keep your own current dentist? If so buying a PPO or Indemnity plan may be the better choice for you, however these types of dental insurance plans normally do have the waiting periods and yearly dollar max limits.
Where as with a dental discount plan (not insurance) you need to choose a dentist that is taking the plan in order to get the discounted saving the plan may have to offer you. Another insurance option that normally dose not have waiting periods but may save you more would be a dental HMO insurance plan. However like a discount plan you will still need to pick a plan provider.
As to which is cheaper in the long run. You would need to compare the available plans in your area and know what dental care services you are needing to determine that.
