According to the American Hygienists Association, approximately 75 percent of Americans don’t know that they suffer from some form of gum disease. Regular cleanings and dental checkups can help identify oral health problems when they are easy to treat. Unfortunately, even the best dental discount plans NJ, won’t cover the full cost of some dental procedures. Most dental plans will cover up to a specific amount which often ranges between $1,000 and $2,000 annually. In case dental costs go above the limit, you will be responsible for paying the additional costs.
What You Should Know About Dental Insurance
Finding the best dental plans in NJ isn’t an easy task. Before purchasing your dental plan, it’s important that you first understand the components of most dental plans. By doing this, you will be able to determine the best dental plans NJ.
Do you need dental coverage because of an emergency dental procedure? If you do, you should choose a dental plan without waiting periods. Most dental plans have long waiting periods that last between 6 to 12 months before you can receive coverage while still paying premiums.
Dental insurance plans have yearly maximums of the amount an insurer can pay towards dental expenses within a year. Most insurance companies have a maximum yearly limit of $1,500. Keep in mind that not using your dental insurance doesn’t mean that it will roll over to the next year.
In-network and Out-of-network Dentists
Before you purchase a dental insurance plan, it’s important that you first investigate the insurer’s in-network and out-of-network dentists’ policy. Most insurers may only permit you to visit in-network dental providers. However, those that do allow you to see out-of-network dental service providers will charge a higher cost.
Also commonly referred to as elective dental procedures, they include teeth whitening among other procedures that enhance the appearance of your teeth. Although cosmetic dentistry has become very popular over the last couple of years, 99 percent of dental insurance companies don’t cover it.
On top of the monthly premiums, you will also be required to pay a certain amount of money for dental procedures before your insurer kicks in.
Usual Customary and Reasonable Fee is a guide that is set by most dental insurance firms. This is the amount that they can actually cover for dental procedures. For example, your dentist may charge patients $70 per cleaning, but the dental insurance company may have determined that $50 is the most usable and reasonable fee and will only cover up to that amount. However, when visiting an in-network dentist you won’t have to pay the difference.
Why the Excessive Red Tape?
Insurance companies can use limitations of maximums, UCRs, waiting periods, and deductibles to ensure that they get as much money as possible through your monthly premiums and pay out as little as possible. Therefore, a dental insurance plan may not be the best option if you want to fully address your oral needs. Consider the best dental plans NJ such as discount dental plans.
Why Dental Discount Plans are the Best Dental Plans NJ
Unlike dental insurance, dental discount plans only charge you affordable membership fees which range between $99 for individual dental plans and $199 for family plans. After payment, you get a dental discount card which can give you discounts ranging between 20 to 50 percent off various dental procedures. Additionally, the best dental plans NJ don’t have deductibles, co-pays, waiting periods or annual maximums. To start saving on dental procedures, visit the best dental plans NJ such as DentalSave today.