Discount Plans: Who Needs Them?

Discount Plan Warning
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Discount plans were designed for one purpose: to provide an affordable health care alternative to those who are uninsured or underinsured. Period.

While different plans provide varying amounts of savings and value, this article will focus on 10 features of discount dental plans and what you should expect when you sign up for one.

Keep in mind that discount plans are not insurance, and that you are responsible for paying for all your dental and medical services, but at a discounted rate.

If you are currently insured and your insurance pays for 100% of your dental and medical bills, you may-- or may not-- need a discount dental plan (If you're not sure, click here). But if you're not insured or have dental care needs your insurance company won't cover, you need to read every word of this article.

It's estimated that one in seven Americans don't have dental insurance.

If you're one of those seven, you might want to consider these reasons to join a discount dental plan. Note: Not all discount plans will include all these features.

1. Most plans allow you to enroll online for instant activation. That means you can start using the plan immediately, without the waiting period required by some insurance companies.

2. With a good plan you'll pay less than $20 a month for your entire household. And that could work wonders for your personal monthly budget.

3. With the right dental plan you can expect to save from 30% to 60% on most dental procedures. Dental plan discounts provide average savings of about 50%.

4. There is no age limit. You can sign up your loved ones living in your household.

5. There is no paperwork to fill out and no health questions to answer.

6. If you choose the right plan, you won't be turned down because of ongoing or pre-existing conditions. Most plans accept all ongoing problems.

7. There is no limit on services. You can visit the dentist as often as you want.

8. Discount dental plans include orthodontic (braces) and cosmetic dentistry (including teeth whitening) procedures.

9. Some plans include prescription drugs, vision and chiropractic care--at no extra cost.

10. You can enroll your entire household for one price and start using the plan immediately.

The Bottom Line
If you don't currently have dental insurance, or if your current policy has a high deductible or doesn't cover certain procedures, you should consider signing up for a discount plan. Just make sure you're signing up with the right plan.

I have researched more than 40 discount dental and health plans, and found that most are reputable, but not all provide the same level of service and value. I also found some companies I consider to be very questionable. Click here to learn how to avoid a scam.

I was very impressed with one company that's been in business for 16 years. This company offers a comprehensive health plan for $39 a month per household. Their discount plan includes Dental, Vision, Prescription, Chiropractic, Physician, Ancillary Services, Hospital Advocacy and a 24-hour Nurseline.

They also had a 30-day money-back guarantee.

If you'd like to know more about this company and plan, fill out the form below.