Posts Tagged ‘dental insurance’
When researching dental care plans, there are many things that need to be taken into consideration. Often people do not know the right questions to ask. Considering the questions below might help you in determining the option for you:
• Who is eligible under the dental plan? Can dependents be added on to coverage?
• What kind of network does the plan provide? Is the network very restricted?
• How does this network of dentists compare to others? Are dentists easily-accessible?
• What percentage of the cost does the consumer have to cover?
• Are major dental services included in the plan? What about cosmetic dental procedures?
• Are there limitations and exclusions in the policy? Are there annual or lifetime caps?
• Will the dental plan allow consumers to see referred specialists?
• How long am I locked into the plan for? Can I make changes at any time if I am not happy?
You should know the answers to all of these questions before picking a dentist plan. A great way to get all of the answers is to talk to an insurance agent. Often agents can provide the information needed to help consumers make an educated decision before purchasing any sort of policy. Consumers have many different options when it comes to dental plans and hopefully they choose them wisely.
This guest post was written by Erinn Springer of InsureLane.com, an online provider of dental and health insurance services.
Given that over 100 million Americans lack dental insurance, it’s not a surprise that tens of thousands of consumers seek to find free and low cost options for dental care every month. There are three sources of free dental care that you may not be aware of, so in these next 3 blog posts I will share information on how you can access them.
The first is through clinical trials. Clinical trials are medical procedures that are conducted in conjunction with the testing and development of medical devices, drug, and procedures. These trials are relatively safe as they are typically required to be approved by the Food and Drug Administration (FDA) – although the FDA does have some questionable and outdated standards and practices.
Generally a patient needs to be healthy to qualify, but it doesn’t cost any money to check into a clinical trial program. I had a friend who had all of his wisdom teeth extracted for free as a part of a study conducted at the National Institutes of Health (NIH), in Bethesda, MD so I have seen it work for people first hand.
Here are two websites where you can search for clinical trials to see what types of dental trials and being conducted in your area. If you find one that looks like it will suit you, contact them for more information.
ClinicalTrials.gov – This is a service of The National Institutes of Health listing all clinical trials nationwide. Simply select “Search For Clinical Trials” then enter the terms related to what you are seeking such as “dental, root canal, etc)
National Institute of Dental and Craniofacial Research – This is also a part of The National Institutes of Health with a focus on dental issues.
I hope you found this helpful. Stay tuned for Part 2 of Free Dental Care Resources – Free Clinics.
Did you know that a discount dental plan can save you up to 60% on all of your dental needs and costs just $79.95 per year? Learn more by visiting: http://www.familydentalguide.com
