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Wednesday, April 15, 2009

Low cost dental insurance

By Alec Parkurson

More at: Dental Water Jet. Many people look for low cost dental insurance because less expensive insurance packages will bring the possibility to check oral health constantly without paying lots of money for the services.

Studies indicate that the best form of low cost dental insurance is within reach through employers, but if that is not available, solutions include basic dental plans or full coverage packages.

The issue with cheap offers comes from the fact that the number of procedures is limited to a very small number of interventions. One can hardly find a low cost dental insurance that would represent the best insurance plan at the same time.

A low cost dental insurance will most surely make you choose from a list of dentists that are part of the insurance network. Try to choose well and develop a good relationship with your oral health provider because you'll have to pay him/her regular visits in order to preserve good teeth and gums. In the absence of a reliable dental plan, many people skip their checkups and end up developing serious dental disease, that would eventually cost them a lot more. On the basis of the low cost dental insurance policy, dentists have to follow the least expensive alternative treatment or LEAT, according to the insurer's directions.

This means that from several possible options, your doctor will go for the cheapest, and although this seems to work in the patient's favor, money is not the only issue involved.

Given such co-payment methods specific to low cost dental insurance, the patient will not get the best treatment option available. Emergency interventions, preventive and diagnostic procedures are very often not covered by the insurance plan in the cheapest version, or the covered part will be pretty small. The problem is that the cost of emergency services could be over $5,000, which is definitely a fortune to pay on dental care.

Other limitations of low cost dental insurance refer to the number of visits to the doctor; some plans only cover two yearly checkups, but if you need more appointments, you'll pay for the services yourself. It is of utmost importance that you are aware of such clauses in the insurance contract, so that you choose the best dental plan at fair quotes. All in all, although saving money remains crucial during these critical times of financial crisis, health insurance expenses should not be cut back. Cut the household expenses or the cell phone bill, but try to stick to the most rewarding dental plan you can get. Every cent will be worth it! - 23211

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