Your medical insurance protects you against unforeseen costs of an illness or accident that could ruin you financially. Unfortunately, dental insurance doesn’t work the same way. Have you stopped to ask yourself how individual dental discount plans NJ make money while everybody needs dental care? Individual dental plans NJ are designed to collect more money than they pay out. This is why most dental plan contracts come with thick booklets that list dental procedures that they don’t cover. While some dental procedures may be medically necessary, individual dental plans NJ may not cover them.
How Individual Dental Plans NJ Don’t Pay
Apart from not paying for important dental procedures, dental insurance firms control payout by setting low maximum annual benefits which often ranges from $1,000 to $1,500. This means that your insurance won’t fully cover for expensive dental procedures such as crowns and root canals.
The annual limits haven’t kept up with inflation rates. In the 60s, typical individual dental plans NJ paid approximately $1,000 annually. During this time, $1,000 was a lot of money that could pay for 5 porcelain crowns. However, today $1,000 isn’t enough to pay for a single porcelain crown. Additionally, dental insurance companies know that only half of the population goes to the dentist unless there is an emergency.
Individual Dental Plans NJ Restrictions
Individual dental plans NJ have restrictions that only profit the insurance company. Some of the restrictions include:
- Paying monthly premiums for six to twelve months before you can receive any benefits. Most dental insurance companies will require you to pay upfront before they pay out.
- Individual dental plans NJ rarely cover expensive dental procedures such as dentures, crowns, and root canals among others. Don’t be surprised to find a plan that only covers cleanings and fillings and leaving out all other expensive procedures for you to pay out-of-pocket.
- Pay low benefits for specific dental procedures.
Choosing the Best Individual Dental Plans NJ
When searching for the best individual dental plans NJ, ensure that you choose one that:
Covers everything you need
This doesn’t mean that you will be fully covered, but you will have enough dental coverage to maintain your oral health. If you’re the type of person that only heads to the dentist once or twice a year, then affordable individual dental plans NJ may be your best option. These plans also cover for other procedures that most dental insurance plans don’t cover including cosmetic dental procedures.
The right individual dental plans NJ doesn’t necessarily mean that you pay lower premiums. It means that you’re getting affordable dental services throughout from premiums to out-of-pocket expenses.
Is easy to turn into a family dental plan
The best individual dental plans NJ should be easy to change into a family dental plan after you get a spouse and children. A family dental plan is more affordable than purchasing individual dental plans NJ for each family member. Therefore, ensure that your individual dental plan can easily expand into a family plan.
Has plenty of dentists
The best individual dental discount plans NJ has a network of approved dental care providers. To enjoy all the benefits, you will have to choose a dental care provider on the network. That’s why you should choose individual dental plans NJ with a large network of dentists.
Why Choose Dental Discount Plans?
Although they aren’t insurance, dental discount plans can help you save approximately 10 to 50 percent on various dental procedures. DentalSave individual dental plans NJ are affordable, cover all procedures, can easily be switched to a family plan, and have a large network of dentists.