Today's economic climate means many workers have to leave the work force early. If you're unemployed or retiring, what do you do about dental insurance? There are literally hundreds of options for retirees or those about to retire when it comes to dental insurance coverage. A few of the most popular are Medicare, regular insurance, and discount plans. Regular insurance offers the most options, but is also by far the most expensive. In fact, it is typically unaffordable for most unemployed and retired workers. Medicare benefits (which are available to those 65 years of age and older and also those with certain pre-existing conditions) are slim when compared to other options. Medicare will pay for some dentistry-related hospitalizations, but it does not cover routine dental care or most dental procedures such as cleanings, fillings, tooth extractions or dentures. Low-cost dental insurance is a form of insurance where care is provided at a much lower rate. It offers advantages like increased coverage period, treatment facilities for spouses and dependent kids, and lower or no sign up fees. But low-cost insurance may not give the freedom to select ones dentist, which can be a major drawback. Don't confuse discount plans with regular insurance as the two are quite different. With a discount plan, you get a much lower cost and you don't have to wait for the insurance company to decide that the procedure that you would like to have done is approved. Instead, you are billed directly from the dentist's office. When considering discount dental plans vs. dental insurance, look at the limitations that an insurance provider places on you in comparison to your needs. Most of the low cost insurance policies require a dentist to provide services using the Least Expensive Alternative Treatment (LEAT). Under this approach the minimum expenditure is required for deciding which procedures to use. Low cost insurance plans start as low as 0 per year, and typically include normal cleaning and checkups for free. As a result, they offer an excellent option for the unemployed or retired worker. Find More Low Cost Insurance Articles
Dan McGonagle operates the Low Cost Dental Insurance website to provide advice and information about options for procuring inexpensive dental insurance. The advice is always free and very helpful. For complete information about low cost dental insurance, be sure to visit his website.
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