Dental Discount Plan Research Paper

Cost-sharing subsidies lower the amount of money people have to pay out of pocket for things such as copayments, deductibles and coinsurances monthly (Kaiser Family Foundation,2016). This only applies for the silver plan that is part of the affordable care act. Four plans of the ACA are: Bronze,Silver,Gold and Platinum; they have an increasing coverage starting from 60% coverage for Bronze and going all the way up to 90% coverage for Platinum(Wilson,2013). They also increase in premiums, bronze having the lowest premium and platinum having the highest. The freedom of choice helps people pick what they want and how much out of pocket in general they want to pay. They can also choose to spend the rest of the money on something else that is a necessity which increases the spending power people can have thanks to the freedom of choice.

Oral health care is an integral part of the US healthcare system. In 2012, Sen. Bernie Sanders introduced “The Comprehensive Dental Reform Act”, which aimed on expanding dental coverage, accessible oral health care centers, increase in dental workforce, enhanced dental education and encourage dental research. (Congress.gov). The ACA, aim to curb the national health spending, by facilitating the affordability to quality care through private and public health insurance. The purpose of this bill is to cut the healthcare costs and to reverse the “silent epidemic” of dental health status (surgeon gen). This dental bill with an integrated approach towards the preventive and comprehensive oral healthcare is estimated to provide coverage to almost 17.7 million adults. (ADA

On the flip side, some students seek health insurance that's within their budget. An individual should try to find the best deal and a reasonable price. One should also compare all the other options available. Before a choice on a plan one should look closely at what each plan covers. As many college students go to college many should start taking responsible for their health insurance.

There are two additional attractions to the healthcare reform. One is the anticipated reduction of cost to consumers by eliminating annual or lifetime maximums for services. This reform will not affect ancillary plans such as dental, vision, hearing and prescription drug plans for adult coverage.

Pros include choices of hospitals, doctors and tariffs. They also get reimbursed for vision and dental services. Cons include paying for their premiums even if they are not working.

You will need to clarify the kinds of coverage your insurer will provide. Different kinds of plans will only cover a specific number of healthcare services. For example, you will need to check whether or not the healthcare insurance plan you are going to choose, will include dental care or not. Not all doctors and hospitals will be covered by one company. So check on where and who is covered by the insurance plan, you are considering getting.

Dental coverage from Best Dental Direct helps seniors and people of all ages keep their smiles healthy. We offer four different dental plans, most with vision care, a 24/7 nurse help line and other services included. Our Platinum plan may work well for many seniors, since it pays most of the cost of denture repairs, extractions and crown repair. Call Best Dental Direct today at (817) 779-7000 to find out more about our dental plans or use our online contact form.

At Florinsure, we specialize in comparing coverage to help you save money without making the mistake of foregoing necessary coverage. The comparison process only takes a few minutes. In addition to shopping around, here are a few other tips for saving money on coverage:

A large percentage of individuals go without dental care, since they cannot afford routine exams and treatments, but purchasing dental plans for you and your family will ensure your smile does not have to suffer. Unfortunately, most people do not believe the benefits are worth the cost associated with purchasing dental coverage for their family. Using this guide, you will understand how this coverage can improve not only your smile, but also your bank account.

Save Money: Using dental benefits before December 31st will actually save money.  Most plans have a maximum which

Discount dental plans are becoming increasingly popular. They tend to be more affordable, whether annually or monthly, and provide significant savings with participating dentists. These plans provide pre-negotiated discounts for most dental procedures, cover pre-existing conditions, eliminates the hassle of deductibles, less paperwork and there is no cap on the total savings.

Discount dental plans present flexible, affordable dental benefits that are easy to implement and practically effortless to manage. They provide businesses with an ideal way complement their existing benefits and offer a more balanced benefits package. Many businesses are using discount dental plans to offer dental benefits to the people that are rarely covered by traditional dental insurance, including retirees, part-timers, seasonal workers and uninsured

The above reasons justify why most dentists do not accept Medicaid patients. Nevertheless, with discoveries mounting on how oral health impacts overall health, there is an increased interest in expanding dental care for older adults (Nagro, 2016).

I have personal experience with dental professionals abusing dental insurance. I had unnecessary treatment performed on healthy teeth, just so the office would use every bit of available insurance, and then some more that I was responsible for. It was very traumatic event for myself. I went from having a few filings to needing an inlay, to then being told I needed a root canal, after the individual got the inlay stuck in my tooth. I refused the root canal treatment. I was numbed seven times that day, and by the end of it all I felt everything. It made no sense at all.

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