Dental Insurance Nevada Alternative - Consider Dental Discount Plans in NV
Learn why a Nevada dental discount plan is the best option for those who simply cannot afford dental insurance. If you work for a company that offers group rates for dental insurance, you're lucky. Many small businesses, self-employed workers, retirees and college students do not qualify for group rates. Instead, if they even qualify for coverage, they face hefty monthly premiums ranging from $30 to $120 a month.
The Downfall to Dental Insurance in Nevada
Many dental insurance companies require you to meet a yearly deductible that usually ranges from $50 to $500. Until you've paid that much out of your own pocket, the dental insurance will not kick in. You're paying hundreds in premiums with dental insurance and being denied coverage because of limits and wait periods.
Imagine this scenario. You need a filling and your dentist insists that resin fillings last longer and are safer than metal fillings. Because he says they cost approximately the same amount as a metal filling, you go ahead and have the white filling done. Then your insurance company balks saying that resin fillings on molars are cosmetic, so they aren't paying. You end up footing the bill for the entire filling.
With a Nevada dental discount plan, any filling is covered, regardless of the material used. You get the safer filling done and still receive the discount of up to 60 percent off depending on the discount dental plan's negotiated rates.
Companies that Provide Nevada Dental Discount Plan Coverage
A number of participating dentists and NV dental discount plan offerings exist throughout Nevada. Most plans range in price from $80 to $200 depending on the coverage you require. Individual plans cost much less than a family plan. Companies offering NV dental discount plans include:
- Affordable Family Health Services
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- OptumHealth Allies
- Patriot Plan
When you enroll in plan, check that it offers the coverage you need. Some plans include savings on orthodontia, but not every plan does. If you need discounted rates on braces, spacers, retainers and other orthodontic care, make sure the plan meets your needs.