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Dental Benefits Today and Tomorrow

Dental Benefits Today and Tomorrow


Posted by: Purrfect Dential

As the costs of living continue to rise across all market sectors, there is no surprise at all that market research suggests more and more people are worried about their continuing access to quality dental care at affordable prices. This concern is driving more and more consumers to choose the dental benefits offered by discount dental plans and dental preferred provider networks. The dental HMO, on the other hand, is experiencing a drop in business because it lacks the flexibility of dental discount plans and PPOs.

Priorities For The Dental Benefits Industry

The two pressing priorities for the dental benefits industry over the next decades will be to keep costs down while making dental care increasingly available. Estimates are t hen nearly half of all Americans have no dental benefits of any type, and for them the cost of individual dental insurance is simply unaffordable. It was because of this rather alarming statistic, in fact, that groups of dental professionals began offering dental discount plans.

The future of dental discount plans, because of the affordable dental benefits they offer, seems very bright, and they have already made serious inroads in the market share of traditional dental insurance carriers. The membership of dental discount plans now totals in the millions, and all those accessing their dental benefits were people either under served or ignored by insurance companies.

Good dental health is essential for good overall health, and in a society where the price of health care is skyrocketing each year, the idea that dental benefits have been denied to so many for so long is unacceptable. The dental benefits industry recognizes the problem and is constantly looking for ways to customize its products to the needs of consumers.

In addition to dental discount plans, which allow consumers who pay low monthly membership fees immediate access to dental care from any of their plan’s network of dental professional for significantly reduced fees, the dental benefits industry has created reduced cost student dental insurance pat for the cost of routine dental care for students who are no longer covered under their parent’s dental insurance.

Dental PPOs

A PPO (Preferred Provider Organization) dental plan offers dental care coverage in an insurance network system, which dentists join because they will have the opportunity to build their client bases. They are required to offer reduced rates for their services too any patients referred to them through a specific dental insurance company. The patients benefit from having their dental care cost less, but they must use the dentists in that network or their costs will increase.

You can also find more info on dental insurance Dentalimplantsbasic.com is a comprehensive resource which provide information about dental implant.

Article Source: http://EzineArticles.com/?expert=Bob_K._Shefton

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Discount Dental Plans and Affordable Dental Care

Discount Dental Plans and Affordable Dental Care


Posted by: Purrfect Dential

Healthy teeth and gums play a fundamental role in our overall health. Regrettably, rising dental insurance premiums and treatment costs have made dental care inaccessible to many people across the nation. Today, there are more than 108 million children and adults without dental insurance in the U.S. As the need for affordable dental care continues to grow, more and more people turn toward discount dental plans as a cost-effective and easy-to-use alternative to dental insurance.

Current research shows a clear shift in the dental benefits marketplace attributed, in part, to concerns with cost, choice and service. Many consumers and employers are moving away from the inflated premiums, strict restrictions, poor service and other limitations often associated with traditional dental insurance and are looking toward the savings and benefits offered by discount dental plans. “With an estimated 45% of Americans not having any type of dental coverage, and the dental insurance marketplace offering few, affordable dental products for individuals, discount dental plans are an attractive answer to the need to reduce consumer out-of-pocket costs and increase access to care.”

Discount dental plans provide consumers with the value they desire by offering access to affordable, quality dental care at a low price and with an emphasis on choice and service. Plan members pay a low annual membership fee and are granted access to a network of participating providers offering discounts of 10% to 60% on most dental procedures, including braces, root canals, crowns, dentures, cosmetic dentistry and more on select plans. Certain plans even include discounts on additional benefits, including prescription, vision, hearing and chiropractic care.

Discount dental plans, designed to provide significant savings on members’ dental care needs, have quickly become an attractive alternative to costly dental insurance. Traditional dental insurance, once the only dental benefit option available, features many drawbacks including costly deductibles, tedious claim forms, long waiting periods and other limitations. On the other hand, discount dental plans are more cost-effective, easy-to-use and free of these hassles.

Additionally, discount dental plans – starting at $79.95 per year for individuals and $129.95 per year for families – are much more affordable than dental insurance. According to a 2005 report by the National Association of Dental Plans (NADP), a trusted representative of the dental benefits industry, the average monthly premium for individual dental HMO insurance is nearly $16 (about $192 per year), compared to nearly $24 (about $288 per year) for individual dental PPO insurance and nearly $31 (about $372 per year) for individual dental indemnity insurance. According to NADP, “Discount dental plans have become an economical and important alternative to combat the rising cost of health care. They are a cost-effective vehicle for millions of undeserved consumers to improve their access to dental care.”

Discount dental plans also provide businesses and other groups with dental benefits that are easy to implement and practically effortless to manage. Many businesses are using discount dental plans to offer dental benefits to people that are rarely covered by traditional dental insurance, including retirees, part-timers, seasonal workers and uninsured dependents. Businesses can protect their employees’ health and provide peace of mind by encouraging their team to join a money-saving discount dental plan.

In short, discount dental plans offer individual, families, businesses and other groups with a great deal of value by providing access to affordable dental care without sacrificing service or flexibility. Discount dental plans are an ideal solution for anyone looking to save money while improving their oral health.

Dental Plan Expert

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Article Source: http://EzineArticles.com/?expert=John_Khower

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