Dental Insurance Wisconsin Alternative - Consider Dental Discount Plans in WI
If you can't afford dental insurance or are tired of the rules and restrictions, consider a Wisconsin dental discount plan. Dental insurance premiums haven't risen as quickly as health insurance, but they still cost more than ever. If you qualify for group rates, dental insurance is often affordable, but not everyone can get these lower rates. Many must pay high costs or be denied any coverage at all.
Even with dental insurance, people often skip regular visits to the dentist. While fear plays a factor in this, a leading issue with insurance is that people simply become frustrated trying to remain within their yearly maximum benefit limit. If you don't know exactly which dental procedures are covered, you'll have a treatment done only to find out it's not covered and you must pay more than you were expecting.
Key Differences Between Dental Insurance and WI Dental Discount Plan Coverage
With dental insurance, your insurance coverage only kicks in after you've paid the yearly deductible and passed any waiting periods. While cleanings are usually covered as soon as you enroll, expensive procedures like root canals, crowns and braces usually require you to have paid insurance premiums for at least six months before coverage is offered. Dental discount plan coverage is effective immediately after enrollment. There are no waiting periods, maximum benefit limits or deductibles.
Dental insurance does cover a percentage of most dental treatments. Most plans provide free cleanings and check-ups, but then require you to pay 20 percent towards fillings and extractions and 50 percent towards crowns, root canals and braces. Dental insurance will not cover items it feels are cosmetic such as veneers, teeth whitening and resin (white) fillings in your molars. Dental discount plan coverage is offered on all of those and even more cosmetic dentistry procedures.
A WI dental discount plan costs a fraction of the yearly insurance cost. Most discount dental plans cost $80 to $200 for an entire year of coverage. Most individual dental insurance coverage starts at $60 a month/$720 a year. Plus, you'll have deductibles of $50 to $500 to add to that cost before you even start getting coverage from your dental insurance provider.
Companies that Offer Wisconsin Dental Discount Plans
If you live in Wisconsin and want dental discount plan coverage, look at the following companies for reasonable rates and discounts of 10 to 70 percent.
- Access Dental
- Affordable Family Health Services
- Avia Dental
- Careington Care
- Dent-All Plan, Inc.
- Dental Care Advantage
- OptumHealth Allies
- Patriot Plan
- Signature Wellness