Cheap low cost dental insurance coverage is not that hard to find if you know where to look and what to look for. There are now several coverage options available for those who seek financing for dental care. Aside from the usual and often costly dental insurance policies, there are also cheaper and more practical dental plans. Some dental insurance coverage packages are also called dental insurance plans. But there is one other type of dental coverage option that is now identified as “dental plans.” These are membership plans that provide dental benefits to members.
If you need dental coverage, all you have to do is apply to become a member of the plan, then pay the necessary monthly membership fee. If you choose, you can also pay in lump sum for an entire year of coverage. Once a member, you will be given an ID card that you can use to avail of covered or discounted dental care. This is considered as the cheap low cost dental insurance coverage option to consider these days. Although they are sometimes not considered as insurance because there is no need to pay premiums and deductibles and there is less paperwork, these coverage options still provide the same assurance and peace of mind, and at a generally lesser cost.
Here are some of the best dental membership plans that offer great benefits to members.
Best Dental Plans for Cheap Low Cost Dental Insurance Coverage
- Aetna Dental Access
- Patriot Plan
- UNI-CARE 100 Discount Dental Plan
1. Aetna Dental Access
Aetna Dental Access is one of the best and the cheapest dental plans around. Offering discounts ranging from 15% to 50% on everything you would need for complete dental care, Aetna has created quite a name for itself. It has also successfully built a stable network of over 66,000 dental practices in its network. The user-friendly plan allows you to avail of discounts simply by presenting your membership card, which you can use as many times as you need. Despite all the great offers, Aetna offers its plan for only $104.95 per year for individuals and $159.95 per year for families, which are lower rates than what other dental plans charge.
2. Patriot Plan
Patriot plan also provides cheap low cost dental insurance coverage for most dental procedures you may find the need for. You can get discounted rates on these procedures by simply paying $104.95 as membership fee if you’re an individual member or $159.95 if you are enrolling your entire family. Once a member, you will be charged for your dental procedures based on a special fee schedule, where the rates are already reduced. The Patriot plan can cut off up to 50% of the regular costs of most dental procedures, and you can freely choose from 7,900 participating dentists in the plan. Patriot plan is a cheap low cost dental insurance coverage that allows you to receive root canal treatments for as low as $526 compared to the original cost of $810.
3. UNI-CARE 100 Discount Dental Plan
UNI-CARE is a known name in the dental plan industry because it has several affordable offers to make sure everyone can pay for quality dental care. UNI-CARE 100 is one of its offers, and this is also its most affordable package. You only have to pay $79.95 each year for individual membership or $129.95 per year for a family package. This is the cheapest offer you will find in the market, but do take note of some of its limitations.
UNI-CARE 100 can give you discounts for most dental procedures including orthodontics, but discounts usually reach only 30% for general procedures and 15% for specialty procedures. These are lower discounts compared to discounts from other plans, which usually cut off 25% to 50% from original rates. This is the cheap low cost dental insurance coverage solution ideal for those with minor need for coverage but just wants one for security.
Buying Cheap Low Cost Dental Insurance Coverage Online
It is highly recommended to buy dental insurance coverage online these days. The Internet already offers various sites where you can get information about dental plans. This makes it easier for you to compare different offers and see which the best dental plan for your needs is. You can even avail of special online discounts as well.
Comparing different offers is an important part of buying cheap low cost dental insurance coverage.