Dental Insurance Michigan Alternative – Consider Dental Discount Plans in MI
College students who've grown too old to be on their parents' insurance plans find dental discount plans are a great alternative. They are not expensive, so you can focus on your college tuition and supplies without worrying about how you'll afford another bill.
With rising college tuition rates, it's hard for some older students to pay for health and dental insurance while still remaining a full-time student. You can't hold the full-time job necessary for benefits, but you need dental and medical coverage to be enrolled in a college or university. It becomes a catch-22. MI dental discount insurance provides you with the dental coverage you need without costing a fortune.
Most Michigan dental discount plans cost $80 to $200 a year. You can pay the entire amount at once and earn an additional 10 percent discount with some companies. If it's easier, you can arrange monthly payments. With either payment option, your dental discount coverage takes effect immediately.
Companies offering Michigan Dental Discount Plans
Michigan residents and college students have a variety of dental discount plans available to them. Companies offering these great dental insurance alternatives include:
- Access Dental Plan
- Aetna Dental Access
- Affordable Family Health Services
- Alliance HealthCard Gold Card
- Amacore Dental Program
- Careington Care 500 Series
- Careington Select Plan
- Dental Care Advantage
- Dent-All Plan, Inc.
- DenteMax Discount Dental Plan
- OptumHealth Allies Dental Program
- OrthoCare Orthodontic Discount Program
- Patriot Plan
- Patriot Plan Plus
- Preferred Network Access by CIGNA
- Signature Wellness Plan
- UNI-CARE 100 Discount Dental Plan
- UNI-CARE 200 Discount Dental Plan
- Vital Savings by Aetna
How a MI Dental Discount Plan Works
While dental insurance generally requires you to pick one dentist and only see that dentist for dental care and for referrals, a discount dental plan allows you to see any participating dentist or specialist without prior approval and as often as you want. There are no limitations on the amount of dental care you can receive.
Dental discount plans work like membership programs. The MI dental discount program negotiates the rates with the dentist. When you show your dental discount plan card, you are automatically billed the discounted rates. There are no claim forms to fill out and no negotiations on your part.
With some dental insurance, you have to have had continuous coverage before they will treat you for certain tooth problems. Michigan discount dental programs provide coverage on any dental treatments from the start. You can have as many x-rays as needed, even if you just had them done in the last year. You're not limited by restrictions, deductibles and maximum benefit limits.