Oral health is of significant importance to most families. However, dental insurance is becoming increasingly expensive; this means fewer people have the luxury of regular dental appointments if they are paying out of pocket. The good news is you do not need comprehensive dental insurance for you to ensure your oral health with a family dentist. Here are some of the advantages of opting for a dental plan with your dentist.
They charge lower monthly premiums
When compared to dental insurance premiums, dental plans tend to cost much lower. However, it should be noted that most health care professionals would require you to pay at least a year's worth of treatment to be enrolled in their program.
You do not have to wait for benefits
One of the crucial aspects of dental insurance is that there is a waiting period before you can start enjoying the benefits of the cover. In addition to this, some pre-existing conditions may not be included in the policy that you have taken out. With a dental plan from your family dentist, there is no waiting period for the benefit. Additionally, these plans tend to cover all types of oral health ranging from root canals to having dental implants done.
You are not restricted to an annual limit
With dental insurance, you will have to contend with an annual limit. This means you can only get services to a set limit amount of money and once you reach this limit, you will have to pay out of pocket. This is not the case with a dental plan, as there is no limit set on the benefits that you receive. As long as you have been paying your premiums, you can have all the dental procedures that you require.
You can have cosmetic dentistry done
When it comes to dental insurance, you will find that a majority of the providers will not cover cosmetic procedures. This is unfortunate as some procedures are both aesthetic as well as restorative and thus could be essential for your oral health. With a dental plan, you do not have to worry about these restrictions as these plans do not discriminate against cosmetic procedures.
With dental insurance, there is a lot of paperwork that needs to be filed when making a claim on your benefits. This can be a hassle if you do not like dealing with claim forms. The good news is that you do not have to contend with this when you opt for a dental plan with a general dentist.