Friday, May 21, 2010

Which dental plan has the best benefit out there especially for braces?

I work in group insurance and a very common coverage amount is 50% up to $2000. Some are more or less depending on the employer's contribution. Have you spoken to your employer about it?

Which dental plan has the best benefit out there especially for braces?
my dad hes the best
Reply:Depending on your premium and dental insurance plan you will be eligible for anywhere between 50-80 percent of your treatment costs for your braces. The more premium you pay the more percentage of your cost will be covered.





However here are some limitations you need to be aware of:





There will waiting periods for the higher cost treatments. So, you may have to pay premimums for between 18-24 months for types of dental problems. Technically you will be paying about 1000-2000 dollars to the company before it kicks in.





Then there are annual limits. You can't exceed your treatment costs beyond that. If you do you pay the difference yourself.





Then there are the minimum deductibles. You pay the minimum amount before your dental insurance plan kicks in.





There may be other limitations and clauses which may apply to particular dental insurance plans and individuals please check with your dental insurance plan company.





However if you plan on getting a dental discount plan (get it from a reputed company ) then you can get discounts that are upfront. That is you get the discount when you go for the treatment.





There are many fly-by-night operators so go by companies that good track record and have been around for long time.





I used one of the dental plans from an online dental discount plans company. You can check them out here http://www.a1-dental-insurance.com. I should they have a good reputation and I have received good service.


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