Obviously, no dental insurance company can stay in business very long by paying you $100 or more in benefits, while you pay the قیمت یونیت دندانپزشکی insurance company $100 or less in premium. In fact, when factoring in operating costs such as salaries, rent, utilities, and other office expenses, a dental insurance company can only stay in business by paying out far less in dental benefits than it receives in premium. Discount dental plans have real advantages over this type of business arrangement.
1. Lower premiums. While traditional dental insurance can be very expensive, a discount dental plan can be had for only $7 to $12 per month for an individual, and often less than $20 per month for an entire family. While many discount dental plans require that you pay for the entire year up-front, a few discount dental plans allow you to join and pay on a more affordable monthly basis.
2. No waiting periods for benefits. With a discount dental plan, existing dental conditions are covered immediately. No traditional dental insurance company can afford to do this. Typically, dental insurance requires a one year waiting period before major dental services such as crowns or dentures are covered.
3. No annual limits. Discount dental plans typically have no annual limits on benefits. On the other hand, all dental insurance policies contain a strict annual limit on benefits. This is an important tool that dental insurance companies use to ensure that they pay out less in benefits than they receive in premium.
4. Cosmetic dentistry is covered. Most dental insurance companies do not cover cosmetic dentistry, which is considered an elective service and not required for good oral health. Discount dental plans contain no such restrictions. Discount dental plans do not distinguish between cosmetic dentistry and other types of dental services.