Dental Insurance Minnesota Alternative – Consider Dental Discount Plans in MN
A Minnesota dental discount plan provides an alternative to dental insurance. The self-employed often struggle to find affordable dental insurance. Self-employed workers are not entitled to group rates and therefore can't find decent coverage or must pay through the nose for dental insurance.
Dental discount plans provide dental care coverage to anyone aged 18 or older. You pay a yearly fee and get discounts on all your dental care needs. Some plans throw in free six-month check-ups to help reduce your dental care costs even more.
The Advantages to a MN Dental Discount Plan
Dental discount plan coverage provides you with discounted rates on all dental care. While dental insurance rarely covers cosmetic treatments, discount dental plans cover most dental treatments and procedures, including cosmetic ones.
With a MN dental discount plan, you get the lowered rates at the time of your visit. You do not need to fill out claim forms or seek prior approval for visits to specialists.
Dental insurance comes with high deductibles and maximum benefit limits. Before coverage kicks in, you must have paid hundreds of dollars to meet the deductibles. Every year, your dental care cannot exceed the maximum benefit limit or that's more money you pay out of your own pocket. With a MN dental discount plan, there are no restrictions on how much dental care you receive every year. In addition, you never deal with deductibles.
Minnesota Dental Discount Plans that are Available in the State
A number of companies offer MN dental discount plans. Here are companies that work with dentists to create lower rates for those paying a membership fee.
- Access Dental
- Affordable Family Health Services
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- Patriot Plan
- Signature Wellness
When deciding on the Minnesota dental discount plan, pay close attention to the coverage it offers. Some plans include orthodontia, but not every plan does. If you'll need coverage for braces, retainers and other orthodontia, you'll want to find a plan that covers visits to participating orthodontists.