Dental Insurance Rhode Island Alternative - Consider Dental Discount Plans in RI
If you can't afford dental insurance, try a RI dental discount plan. Discount dental plans provide inexpensive dental costs for a very reasonable yearly fee. Unlike insurance that costs upwards of $200 a month in many areas of Rhode Island, you can have a dental discount plan for less than $200 per year. It's like eleven free months of dental coverage.
RI Dental Discount Plan Options
Dental discount plans are available as individual or family policies. Couples needing dental coverage usually have to choose the family plan, though a handful of companies do have policies covering just two people, so it never hurts to ask.
With dental discount plan coverage, most companies include orthodontics in their coverage, but some do exclude it. If orthodontia is an important need, make sure the policy you choose offers that benefit. Many throw in discounted vision, hearing, prescription and chiropractic care too, so you can save even more money on your health care needs.
Companies offering RI dental discount plan coverage are:
- Affordable Family Health Services
- Amacore Dental
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- Northeast-Southeast Dental Plan
- Patriot Plan
- Signature Wellness
Savings vary depending on the dental procedure, but typically you can expect to save 10 to 70 percent. Discounts on preventative dental care are generally the highest, some companies include two free oral check-ups per year to save you even more money.
Reasons Why You Should Go with a Rhode Island Dental Discount Plan
There are five leading reasons why dental discount plan coverage is superior to dental insurance. They are:
- Much lower yearly or monthly premiums
- No annual deductible to reach before insurance kicks in
- No maximum yearly benefit hassle
- No waiting periods before coverage is extended
- Visit any participating specialist without pre-approval from your dentist
Providing you are at least 18 years of age, you can enroll for a dental discount plan. You do not need to disclose your oral health history or fear that you'll be denied coverage. Once you enroll, your coverage begins immediately. Visit any participating dentist or oral specialist and receive substantial discounts on all your oral health care needs.