Dental Insurance Mississippi Alternative – Consider Dental Discount Plans in MS
Stop paying high fees for dental insurance that doesn't meet your needs, consider a MS dental discount plan instead. People pay hundreds every year for dental insurance that rarely covers all of their needs. On top of the high premiums, they end up shelling out money for things like braces, crowns and fillings that are not covered.
Problems with Dental Insurance
Companies like Delta Dental charge anywhere from $27 to $110 per month for dental insurance. With this dental insurance, there is a $50 yearly deductible that must be met before coverage begins and after a yearly $1,000 maximum benefit limit, you're on your own to cover any additional oral care. You must have insurance coverage for a full six months before they will pay a share of a filling, a full year before they'll cover root canals and crowns and orthodontic coverage is generally not provided.
If orthodontia coverage is given with your Delta Dental insurance policy, there is generally a $100 lifetime maximum benefit and that won't go far when your child needs braces costing upwards of $3,000 to $5,000. In addition, your cleanings are not necessarily free, many of their plans require you to pay up to 40 percent of the cost of a cleaning.
A Mississippi dental discount plan provides immediate coverage on all aspects of oral care. There are no waiting periods before coverage comes into effect. You don't have to deal with deductibles and maximum benefit limits. Many plans even include free check-ups and orthodontia coverage in the much lower price.
What to Expect from a Mississippi Dental Discount Plan
Mississippi dental discount plans cost anywhere from $80 to $200 per year. Companies offering MS dental discount plans include Aetna, Alliance, Careington Care, CIGNA , OptumHealth and others.
The rate you pay is determined by the coverage you need. Individual plans cost less than a family plan. You can pay the yearly fee at once and often save an additional 10 percent or break it up into very affordable monthly payments.
With a discount dental plan, you go to any participating dentist for your oral care needs. You're charged discounted rates on all services, including cosmetic procedures like veneers. Discounts vary but often go as high as 70 percent off for preventative care like cleanings and x-rays and most companies discount cosmetic dentistry and orthodontia by 10 to 25 percent. You save a bundle by paying less than the dentist charges other patients.