Dental Insurance Oklahoma Alternative - Consider Dental Discount Plans in OK
For as little as $80 a year, you can have an Oklahoma dental discount plan. While a discount dental plan is different to dental insurance, many feel it is actually a more beneficial option. OK dental discount plans are available to any individual or family and anyone 18 or older can enroll.
Problems People Face with Dental Insurance
A typical dental insurance policy includes premiums ranging from $50 to $200 a month. Those working for large companies generally get the best rates because the company qualifies for group rates. If you're self-employed, retired, unemployed or still in college, it's a struggle to find affordable dental insurance.
With an Oklahoma dental insurance policy, you often have a deductible that you must meet before the insurance kicks in. If that deductible is $500, you pay for the first $500 in dental treatments and then insurance coverage starts.
Many insurance companies require you to have been insured for upwards of a year before certain dental procedures are covered. For example, Delta Dental policies generally require you to be insured for a full six months before a root canal or crown will be covered by your dental insurance. If you need one before the waiting period is up, you'll have to pay for it out of your own pocket.
Another thing you must pay attention to involves yearly maximum benefit limits. Insurance companies set a monetary limit that dictates when they'll stop paying for your dental care. Many times, this limit is set at $1,000, so once the insurance company has paid $1,000 they will not pay for any more of your dental care in that calendar year.
On top of the high monthly premiums, you stand a chance at paying a lot of money for your dental care needs, especially if you run into issues where root canals, crowns or other expensive procedures are necessary.
Benefits to Oklahoma Dental Discount Plans
With an OK dental discount plan, you gain coverage immediately. There are no waiting periods, deductibles or maximum benefit limits. No matter what dental procedure is needed, you'll receive discounted prices immediately.
With a dental discount plan, you pay a low yearly cost. Most companies offering discount dental plans have plans for $80 to $200 a year. You can pay the membership fee monthly or save more money by making a lump-sum payment for the entire year at the time of enrollment. Companies offering OK dental discount plans are:
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- OptumHealth Allies
- Patriot Plan
- Signature Wellness
You'll get a membership package in the mail that includes a dental discount plan membership card. Use that card at any participating dentist or oral specialist for immediate discounts. Most plans allow you to see specialists without the necessity of a referral.