Are Dental allowance Plans A Scam? Let's Take A Closer Look

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What's all of the fuss about these dental allowance plans anyway? They're not dental guarnatee so are they any good or are they some kind of hyped up "money making scam" created to rip off unsuspecting consumers that don't know any better?

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How is Are Dental allowance Plans A Scam? Let's Take A Closer Look

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Let's take a look at some of the differences in the middle of allowance dental plans and traditional dental insurance.

Dental Insurance

This is what you're probably used to hearing about, right? Of policy you are! Why? Because the word "insurance" is included in the term. If it's guarnatee then it must be the "way to go" because I already pay for my car insurance, homeowner's guarnatee And curative guarnatee so why shouldn't I just buy the darned dental guarnatee and be done with it?

Dental guarnatee is verily not as easy to get as it once was. Most of the better policies these days are verily obtained straight through group coverage purchased by employers, although you can purchase dental guarnatee policies for yourself and your house straight through an guarnatee agent.

You can get some big name companies that provide coverage this way. This type of dental insurance, while providing decent coverage, does have what is known as a "waiting period" before any type of former conditions will be covered.

Previous conditions are dental problems that you had before you purchased the insurance. This will shock you after you visit the dentist for the first time after receiving your new dental card.

Example, when you first go to the dentist they will want to achieve an "Initial Oral Exam". This basic policy will determine a policy of performance for you and your dentist in order to get and keep your teeth and gums healthy. You will also have to have "bitewing" x-rays in order to find any cavities or "caries" that are not obvious.

Here comes the shocker. You walk into the dentists office in a great mood reasoning to yourself "This is great! I'm ultimately going to get my teeth fixed because I've got me some dental insurance!" This is when the dentist drops the "bomb" on you that the procedures needed to fix your teeth will cost you some hundred (or thousand) dollars and, in order to get your teeth fixed, you will have to pay for that out of your own pocket because your dental guarnatee does not cover pre-existing conditions.

Most waiting periods last at least six to twelve months and are Not negotiable. Many procedures won't be covered 100% even after the waiting period.

Dental allowance Plans

Discounted dental plans offer the consumer pro dental care at a discount. The only stipulation to this is that you must pay cash at the time of the visit. This is how dental allowance plans work.

Most discounted plans will give you discounts in any place from 10-60% on most tasteless procedures such as cleanings, x-rays, exams, crowns, root canals, fillings, etc. Many will cover up to 25% on oral surgery.

It works like this. Let's say for example that you go to the dentist for a disposition checkup. The dentist will do an oral exam, take some x-rays, fill any cavities that need to be taken care of and maybe schedule you to get your teeth cleaned, assuming that you didn't already get it done in this visit.

Each one of those procedures listed above is a separate, taxable procedure. A periodic oral exam costs in the range of .00, X-Rays - "Intraoral faultless Series" costs in the area of 0.00 and a "Resin Based" composite filling will run you from 5-0.00.

This one visit could end up costing you as much as 0.00 or more with traditional dental insurance, you could get all of this done for as much as half off If you were able to pay cash for all of the procedures at the time of the visit.

Are discounted dental plans a scam? Not likely, but you will have to pay cash up front to be able to take advantage of the benefits that they offer.

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