Dental Service Plan – Get the Best Plan and the Best Rate

Looking for a dental service plan? Want to get the best plan with the best rate? Here’s how to find it.

Dental Service Plan

Dental service plans, also known as discount dental plans, are an inexpensive alternative to costly and restrictive dental insurance.

Dental service plans save you money on dental care. You get 10% to 60% discounts on dental procedures including exams, cleanings, fillings, crowns, extractions, root canals, bridges, braces, dentures, and periodontal and cosmetic dentistry.

You can choose from 32 regional and nationwide networks with more than 100,000 participating dentists and dental specialists.

Dental Service Plan Highlights

* You get immediate coverage. There are no waiting periods as there are with dental insurance.

* Premiums are cheap, with individual plans starting at $79.95 a year – less than $7 a month.

* There are no exclusions for preexisting conditions or health restrictions like there are with dental insurance.

* There are no deductibles or coinsurances to pay.

* You get unlimited benefits. There are no annual maximums like there are with dental insurance.

* There are no lengthy forms to fill out or paperwork hassles to deal with.

* You can see a dental specialist without having to get a referral.

Where to Get the Best Rates

The best way to get the best dental service plan and the best rate is to go to a dental comparison website where you can compare the rates and benefits of a number of different plans. If you like a particular plan you can sign up online.

The better comparison sites offer a toll-free telephone service where you can talk with a dental plan specialist and get answers to any questions you may have. (See link below.)

Aetna Dental Insurance Provider Review

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care. This insurance provider started operating in the year 1850 and was initially an insurance company that arranged an annuity fund for life insurance. But over the years the company has widened its market base and is now found in various locations as well as working together with various field experts to give their clients only the best that there is in supplemental dental insurance.

Dental Services Offered by Aetna Dental Insurance

Their basic care services include simple extractions, fillings, root canals and general restoration of the dental formula. Preventive care services are x-rays cleanings and regular cheek- ups while their major services are dentures, crowns and bridges.

Aetna Dental Insurance Plans

Their insurance plans provide full dental insurance coverage catering for individuals, families as well as corporate and they offer a wide orange of products to suit the needs of every client. Their individual plans are divided into two based on the age groups of the clients. The first plan caters for persons aged 49 years and below while the second is for clients aged 50 and above. The plans are:

o Network only plan: this caters for employees by providing a wide coverage with cost savings through bonuses. The plan covers for basic and preventive care without a requirement for referrals for orthodontia, preauthorization in cases of specialist care and has no deductibles.

o Network Optional Plans: provide multiple options designed to satisfy the needs of every client. It also has no requirement for referrals and gives the client the choice of coinsurance levels, deductibles and maximum benefits levels.

o Hybrid Plan: it’s a fusion of various insurance plans and caters for the major services, paying a blended rate and does not depend on the individual types of plans making the fusion. The member has the freedom to choose between an indemnity plan along with a DMO (Dental Management Organization) plan or a PPO plan.

Other types of plans are riders, discount and health funds plans.

Benefits to Aetna Dental Insurance Members

o It results in general improved dental health and financial heath in times of emergencies.

o When these plans are offered to employees, it leads to improved relationships between the employer and employees.

o Members can take advantage of the savings plans through their dental access network. Actually this is the largest and most recognized dental network in the US.

o It helps meet a huge part of dental medical bills.

o Offers a big range of products that are meant to ensure that every client gets exactly what matches their needs.

o Their plans offer a lot of flexibility to the members such that they are able to easily shift from one plan to another in line with changes in their individual needs.

o Their rates are affordable as compared to those offered by other competing firms such as MetLife Dental Insurance companies.

Aetna dental insurance is a very popular dental insurance that is linked with affordable and high quality dental care. This insurance provider started operating in the year 1850 and was initially an insurance company that arranged an annuity fund for life insurance. But over the years the company has widened its market base and is now found in various locations as well as working together with various field experts to give their clients only the best that there is in supplemental dental insurance.

Dental Services Offered by Aetna Dental Insurance

Their basic care services include simple extractions, fillings, root canals and general restoration of the dental formula. Preventive care services are x-rays cleanings and regular cheek- ups while their major services are dentures, crowns and bridges.

Aetna Dental Insurance Plans

Their insurance plans provide full dental insurance coverage catering for individuals, families as well as corporate and they offer a wide orange of products to suit the needs of every client. Their individual plans are divided into two based on the age groups of the clients. The first plan caters for persons aged 49 years and below while the second is for clients aged 50 and above. The plans are:

o Network only plan: this caters for employees by providing a wide coverage with cost savings through bonuses. The plan covers for basic and preventive care without a requirement for referrals for orthodontia, preauthorization in cases of specialist care and has no deductibles.

o Network Optional Plans: provide multiple options designed to satisfy the needs of every client. It also has no requirement for referrals and gives the client the choice of coinsurance levels, deductibles and maximum benefits levels.

Inexpensive Root Canal Options

Your tooth hurts but your budget is already blown. How are you going to pay for expensive dental care like a root canal?

Your state or county health department likely has dental services available but with all the budget cutting going on these days, free or low cost options will be even harder to find than they had been when the economy was stronger.

If you are lucky enough to live near a college or university that has a dental school, you’ll have a better chance of getting a root canal at a lower cost. Students enrolled in these dental programs need to practice on real people and you can count on the oversight of the faculty to ensure the quality of work. Often these programs are coordinated with the county health department.

With a combination of luck and determination you might find a free dental fair in your area. Just this past January, 1,638 patients were treated over the course of a two-day dental clinic at the Kansas State Fairgrounds. According to The Hutchinson (KS) News, over a million dollars in dental services were provided to needy Kansans, including the extraction of more than four thousand teeth. If you can locate such an event, do your best to get there early to improve your chances of getting in.

If you don’t live near a dental school or a free dental fair, you may have to try negotiation. Ask your dentist’s office if they offer any special rates for people who don’t have insurance. For an expensive procedure like a root canal, they might arrange a payment schedule but will probably ask for a fairly substantial down payment. You shouldn’t be surprised if they don’t offer payment plans for new patients though, since you would have little incentive to keep the payments up once the work is done. But if you’ve been going to that practice for years, they may be more likely to trust you.

Do you have something to trade? If you have some product or service that the dentist can use, you might be able to barter. Can you paint his home or mow his lawn? Shampoo her carpets? Do you have a way to help the dentist get more patients? Of course, if you can deliver new patients, the dentist would prefer the kind that can pay in cash.

Find Root Canal Discounts

Trying to find affordable root canal services?

If you don’t already have dental insurance, you’ll discover it’s too late to get a plan that will be any help with major pre-existing conditions.

Any type of insurance is meant to help you pay for a problem that hasn’t happened yet. Expecting a dental insurance plan to help you pay for a root canal you need now, is like expecting to buy insurance for a house while it’s burning down.

A root canal is not going to be cheap. An uncomplicated procedure can cost several hundred dollars. More complex situations can cost thousands.

Dental insurance plans commonly have exclusions on pre-existing conditions and waiting periods of up to a year.

They will also have a limit on the total amount that the plan will pay in a year. Most dental insurance will pay no more than $1,000 in benefits even after the waiting period.

With these kinds of limits a dental insurance plan can be worthless.

If you need a root canal right away, instead of looking for dental insurance, you should find a good discount plan.

Discount plans for dental services are not insurance. They do not exclude pre-existing conditions or limit the amount of services you can get in a year. They can save you hundreds of dollars on very expensive services like root canals.

These plans sign dentists up to a contract where they usually agree to charge no more than a given amount for their services when a plan member comes in. Some plans are designed to offer a flat discount off of the normal prices.

When you choose a discount you will need to check the dentists who are signed up with the plan. You want to be sure that there are acceptable dentists available in your area. Check the provider list and you may find that your favorite dentist is already on the plan.

A good discount plan may cost around a hundred dollars a year for the membership, but it could save you several times the investment if you need expensive dental services right away.