Dental Insurance Pennsylvania Alternative - Consider Dental Discount Plans in PA
A Pennsylvania dental discount plan is an affordable means to gaining dental insurance. While a discount dental plan is not insurance, it does offer many benefits that dental insurance provides and includes a number of things dental insurance bypasses.
Why PA Dental Discount Plans are Better than Insurance
One of the leading benefits to a Pennsylvania dental discount plan is the fact that there are no restrictions. You can visit any participating dentist as often as you wish. If you need two root canals in one year, you won't run into problems with maximum benefit limits or effective date waiting periods.
Many insurance companies will only pay for yearly x-rays, if there is an emergency and additional x-rays are needed, with dental insurance you pay for it yourself. With a dental discount plan, you can have x-rays as often as necessary without limitation.
Dental insurance requires you to meet a yearly deductible before the insurance company will start paying for your dental care. Dental discount plans provide coverage as soon as you enroll. You don't have to worry about meeting deductibles before you receive the discounted rates.
Dental insurance generally costs between $50 and $200 a month. Group rates are available, but only extended to companies who insure the majority of their workforce at the same time. Dental discount plan coverage starts at $80 a year; one year of coverage for the same price as one month of insurance. If you want to break that dental discount plan membership into monthly payments that's usually an option. If you pay for the full year at once, you may be entitled to an additional discount.
Dental Care Companies Offering Dental Discount Plans in Pennsylvania
There are a number of companies offering discount dental plans in Pennsylvania. They include:
- Access Dental
- Affordable Family Health Services
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- Dominion 6000X
- Liberty Dental Program of America
- Northeast-Southeast DentalPlan
- Patriot Plan
- Signature Wellness
Check the plans to make sure you get the coverage you need. Some PA dental discount plans cover orthodontia, but not every plan does. If you have kids, braces are usually an expense you'll face at some point.