The dental cost has risen alarmingly in these past years and is likely to continue doing so. The dentists say that the sugar intake of people as increased a little too much over the years, giving us more patients to deal with. So, the dental rates were generously increased. This, in turn, made companies refusing to provide employees with dental insurance. Although there are who do, that is done as a favor, and favor needs to be repaid. People with low income or those unemployed, now struggle at even having dental insurance at all. To them, the monthly payment takes chunks out what they earn. Why is it so hard to have a bright and shining smile these days?
The price for these insurances may have increased but have a look at the skyrocketing prices of the premium packages. Now, what will people do? Nothing much, they try hard to look for affordable and dental insurances that cover the people’s needs. Why ponder here and there? Are you looking for reasonable dental plans for yourself or your family in Maryland? If so, you’re in good luck. We have found some of the most affordable dental insurance plans in Maryland just for you!
Why should I even buy dental insurance?
Caring for your mouth, teeth, and gums is a worthy goal in itself. Something people think of doing less and less as they get older. This means that a person who had a set of shining white teeth in their youth have been reduced to nothing more than some synthetic gums. Not taking care of your oral health entails many problems. Your cavities can go worse, when they do the pain becomes unbearable and irritating happens to regular eating. The future life takes a hit. For those people who believe in living for today, do you want to put health care to your side till you lose all your teeth in your older days? Ask older folks that have lost theirs, how much they need to hold back when eating.
Studies around the world have shown that over 90% of all systematic disease produce oral signs symptoms. More have shown a relation between heart disease and key bacteria in periodontal disease. Similarly, inflammation in the mouth can spread to the whole body (arteries included). Gum diseases can affect the ability to control sugar levels in diabetic patients. Your mouth is the main entrance disease, and germs can enter your body.
Additionally, oral problems can also interfere with your speech. Look at it from a different perspective. Although dental care can be really expensive, dental plans can help you bring down the cost. By visiting a dentist and getting treated, you are not only preserving your smile but also your body to enjoy a healthy life.
Types of Dental Insurance available in Maryland
In Maryland, no matter who you plan to get your services from you will determine that there are namely four types of dental plans to choose from. Based on these you need to understand and decide accordingly which plan suits you and family best and your pocket limits. Knowledge is wisdom. Don’t settle for the first or the cheapest. The lowest price can also mean that they cut down on features.
Discount plans are not insurance, but they needed to be included nonetheless. With the way dental care prices are right now, one could very well opt for discounts. Discount Plans require a monthly or annual fee for which they provide you with the “discount” card. With this legendary tool, you can seek universal dental care at discounted rates.
But there are drawbacks, for the services that discounts are not provided, subscribers are responsible for the complete cost at the time of their service. These plans also vary from provider to provider. Some may offer fairly cheap membership fee, but then they don’t cover, much in terms discounts and advanced services are totally off the charts. Others may give great rates for overall services, but their membership fee will also be higher.
Indemnity Plans are what you may call “fee for service” or “traditional” insurance plans. Indemnity plan providers agree to cover a percentage of the cost you’ll pay for specific procedures. The procedures covered will be outlined in the company’s “fee schedule.” It must be said that these plans by far offer most freedom when it comes to choosing your preferred dentist since almost all dentists are covered by them. Although there are indeed deductibles and waiting periods. The out-of-pocket payments will also be likely higher; this is because reimbursements are made after receiving the bill.
Dental Health Maintenance Organizations (DHMO)
DHMOs are “managed care” or simply dental plans. Customers of DHMO’s are only responsible for the copay at each visit to the dental clinic, as they pay dentists within the network a fixed monthly rate in return for free care for members within the network. This means that you can only be serviced from dentists within the network, and preferred applies to if your dentist happens to be somewhere on the list. This encourages dentists to provide quality preventative health care to avoid unnecessarily complicated procedures. DHMO plans may not have as many options for dentists to choose from, it may be a good idea to check the dentist to a patient ratio within the network.
Preferred Provider Organization (PPO)
PPOs (Preferred Provider Organization) like DHMO work within a network of dentists who have agreed to offer their services at a reduced rate in exchange for a wider patient pool or have a similar contract with the organization regarding the discount. They then guarantee a maximum cost of service for procedures from that approved list of dentists. This can usually become pretty extensive. Dental care sought outside the network is subject to a UCR (Usual, Customary, Reasonable) fee, which is essentially the average cost of services from dentists within the area, and may be significantly more expensive than dentists within the area, these can vary from area to area. Be sure to check with each provider to understand their policies for emergency care. PPOs also require deductibles, calendar year maximums, and may require waiting periods for certain procedures.
Who are the most affordable providers?
Go ahead and pick your favorite from the ones included. They were reviewed and decided upon the rates they provide, their features and the services they cover. All of them offer quality service at affordable rates and are much renowned Maryland. Take your pick.
Aetna Dental Plans
Aetna generously provides you with a hassle-free dental plan. It has the second lowest rates in our list. Their most basic dental plan comes around for only $124.95/year and is also available in multiple payments. Monthly payments come around to $13.95. Your plan activates within 72 hours of purchase. You can select a dentist from the 241,000+ providers in the Aetna Vital Savings Network and make an appointment now to start saving immediately. So, you can see that they have numbers in their favor. You get an Aetna Vital Savings card that you will need to keep when you decide to visit the dentist.
Aetna has their providers credentialed and re-credentialed on an ongoing basis. With just one card you can include your family. They are seen as the spouse of the cardholder, legal dependents aging till 18 or till 25 as long as they are full-time students. No paperwork or reimbursements are needed when you are using your saving plan. After the procedure, you pay your health care provider at the time of your visit.
Cigna Dental Insurance Plans
You can take advantage of Cigna dental coverage with or without a Cigna medical plan. Our dental preferred provider organization (DPPO) plans to offer affordable dental plan options to people of all ages, nationwide. Cigna Dental Insurance has a customer base of over 15 million people in the U.S. Although it is by only considering the rate, the most expensive one in our list. Cigna makes up for it will their facilities.
For any plans from Cigna, preventive care (oral maintenance) is free of cost. The cheapest plan is for $19. No copays or deductibles for cleanings, routine x-rays, and more with in-network dentists. This means if you maintain your teeth (free), less spent on dental issues overall. They have 89,000+ dentists in their network, and all offer maximum savings and zero paperwork. All the dentists included are judged and scored, based on their affordability, professional history and practical experience with patients. Cigna is also known for its superb customer service round the clock.
CVS Dental Savings
CVS iSave members enjoy immediate access to dental providers with no waiting periods or forms to fill out. You’ll save on average between 15%-50% on most dental procedures from a national network of more than 114,000 general dentists and specialists. CVS iSave Dental plan starts at $14.97/monthly and $179.64/annual. Everything is pretty basic. The website has a chart outlining the average buck you save on your specific appointments.
Careington 500 Dental Series
Joining the Careington Care 500 Series plan allows you to take immediate advantage of dental discounts offered by an industry leader in dental care. Careington International Corporation is one of the most recognized professional dental networks in the nation. This dental savings plan will help you save between 20- 60% on most dental services, plus you’ll enjoy added discounts on prescriptions, vision and Lasik benefits included with this plan. Save all year long with no annual limits. No waiting required guaranteed acceptance. No pre-authorizations before treatment. No nerve is wreaking paperwork and forms. The plans start at $89.00/year.
Remember Oral health is very important with the increase in disease and virus count the last few years. Dentists have raised the services cost astonishingly for common folks. Good and affordable dental plans provide you with discounted prices and savings and get your work done. Additionally, most of them offer free preventive care. So, choose a plan that suits you. Care for your teeth. Stay safe! Stay healthy!