If you are without dental insurance, either because you’ve found yourself recently unemployed or because your employer has cut out dental coverage from your health insurance policy, there are affordable options available to you. Finding the best dental plan for you just takes knowing where to look. Every state has different options, but knowing where to look stays the same no matter where you’re from. Below are the top three sources for you to investigate when searching for dental plans that are affordable.
1) State Health Department. Many states offer state funded programs for those who are in need of dental work but don’t have coverage. The state health department is the place to look for these programs. However, they will have information on other types of plans that you may qualify for as well. There are federally funded plans, private discount plans, and others that may apply to you, even if you make a middle class income.
2) Discounted Plans. Every state has at least a few of these. Discounted plans are ones that are put together with a group of dentists that agree to do discounted work, for paying members of the group. The variables differ greatly within these plans as far as how much they cost to join and how big a percentage discount you receive on the dental work. Look for plans that charge an annual fee as compared to a monthly fee, they are usually significantly cheaper. Also, look for plans that offer discounts higher than 50%.
3) Veteran Plans. Even if you or your spouse are not veterans, there are plans that could apply to you. Some plans offer coverage to distant relatives of military veterans and you and your immediate family could potentially be covered. Contact the Office of Veterans Affairs for information.
Don’t overpay for dental insurance [http://www.affordableinsuranceoptionsonline.com/]. There are some websites that can help you secure coverage at affordable rates. The Affordable Dental Insurance [http://www.affordableinsuranceoptionsonline.com/category/dental-insurance/] Directory is a free online resource that has a lot of information on how to find affordable coverage plans that fit your needs.
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