Health Insurance Guide - Health Insurance Deductions Section

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Health Insurance Deductions Article

Raul Ramirez

Good dental health, as well as correcting dental problems, is

essential to overall health. Many Americans are finding

themselves without effective dental coverage to treat and

maintain their dental needs. This is due in part to businesses

increasingly cutting-back or offering inferior dental coverage

for prices many can't afford. So what are people to do? As a

result, people have started looking for alternatives for their

dental coverage needs especially online. The #1 question people

are asking is, "What's the difference between Dental Insurance

and Discount Dental Plans?"

There are distinct differences between the way dental insurance

plans and "discount dental plans work. Usually, dental insurance

is used by large groups and businesses to cover their employee's

dental care. Dental insurance is true insurance where monthly

premiums are paid for defined coverage. Dental insurance is not

readily available to individuals and families, unless provided

by their employer. The pitfalls of dental insurance include

annual benefit maximums, deductibles, waiting periods for

procedures, and limitations and exclusions. There are also

claims forms to fill out and submit. Dental insurance a lot of

times doesn't even cover the cost of preventative measure until

deductibles are met. You are able to use any dentist but the

monthly premiums for dental insurance may be as much as $30 per

month for individuals and over $100 per month for family plans.

Discount dental plans or "fee for service" plans, on the other

hand, are available for everyone whether or not you are covered

by a group plan. Fee for service plans are designed to provide

clients dental networks at reduced rates or better yet, pay a

certain amount and only that amount for services performed.

Discount dental plans are affordable and are the most widely

available dental programs for individuals and families. These

discount plans work differently than dental insurance plans, yet

provide consumers with real and substantial savings on most

dental procedures. Discount dental plans are membership-based

programs that usually provide coverage on an annual basis.

Consumers pay a membership fee in exchange for secured discounts

on most dental services, such as dental exams, routine

cleanings, fillings, extractions, root canals, dentures, crowns,

and braces. These plans typically save the consumer ten to sixty

percent off most standard out-of-pocket fees when visiting a

participating network provider. Most discount dental plans

provide a "fee schedule" with the discounted fees listed out in

the membership materials to ensure consumers will receive their

promised savings.

While there are several differences between traditional dental

insurance plans and discount dental plans, they can also be used

together in certain situations to maximize savings. Gulf Breeze

Insurance Inc. offer both plans but prefer to off the fee for

service plan for the basic fact our clients like to save money

and most need dental coverage now with no waiting period or

stipulations on the money they spend. The fact that you know

exactly what you are getting and saving is enough to prefer

these plans over any other. Many dentists will even tell you at

the time you checkout how much you have just saved. You can even

visit Gulf Breeze Insurance Inc. at

http://www.gulfbreezeinsurance.com to see if one of these plans

is available in your area and how much it can help you.

About the author:

Raul Ramirez is a licensed agent in the state of Florida. He

owns and operates Gulf Breeze Insurance Inc. an independent

insurance agency. Please feel free to use this article on your

site so as you include name of author and website.

http://www.gulfbreezeinsurance.com

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