Dental Insurance Nebraska Alternative - Consider Dental Discount Plans in NE
When you need dental insurance but do not qualify for group rates, consider a Nebraska dental discount plan. Dental discount plans provide coverage on most dental services at highly discounted rates. You don't negotiate the rates, the company providing your NE dental discount policy and the participating dentist agree to the discounted rates that they bill to members of the discount dental plan.
Unlike traditional dental insurance, discount dental plans do not have maximum benefit limits, deductibles and waiting periods before coverage takes effect. Once you have your discount dental card in hand, you can go to the dentist you select and receive discounted rates of up to 70 percent off. Instead of paying the average price of $150 to $200 for a filling, you can pay as little as $40 to $90.
Why Many People Simply Cannot Afford Dental Insurance
With dental insurance, you face a number of restrictions. Many dental insurance companies require you to have the insurance for at least six months before they will pay for fillings and a full year before they'll provide coverage for root canals and crowns. On top of this, they set maximum benefit limits of $1,000 per year.
If your crown and root canal costs $2,200 and you must pay 50 percent of the cost, you'll end up paying more than you expect because the insurance company will not contribute after they've paid $1,000. You pay the difference.
Nebraska dental discount plans do not use deductibles, maximum benefit limits or wait periods. No matter when you have a treatment done or if you've already had three other root canals that year, your discount remains in effect for each and every trip to the dentist.
Companies that Offer NE Dental Discount Plan Coverage
If you live in Nebraska, there are a number of companies that provide dental discount plans. They include:
Rates for individual and family Nebraska dental discount plan coverage range from $80 to $200 per year. Pay the entire amount at once and many companies offer an additional discount of 10 percent. If it's easier, many of the discount dental plan providers will happily arrange a monthly payment schedule.
- Access Dental
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- OptumHealth Allies
- Patriot Plan
- Signature Wellness