Not everyone is getting an email from his or her employer to enroll in health and dental insurance this year.
Unfortunately, in the last two years, we’ve witnessed 9 million adults losing their health coverage as nearly a quarter of working-age adults either lost their job, or dealt with a spouse losing their job, according to a 2011 Commonwealth Fund survey.
In addition, nearly 10 million Americans have lost their dental insurance in the past few years, while the economy weakened access to individual and family dental plans through employers.
Seniors are also at a loss for dental coverage when they learn that traditional Medicare doesn’t cover dental work. This year, there are more than 44 million Medicare beneficiaries across the country choosing plans through December 7.
Hopefully, you’re not reading this with a nagging cavity on its way to becoming a $1,000 root canal procedure. And, hopefully, you’re not a part of the 35 percent of American adults who have not visited a dentist in the last 12 months due to insufficient household income and no dental insurance.
To help you find a solution, here are three discount dental plans offered by major networks like Aetna and Careington, as a low-cost alternative to dental insurance:
- Careington Care 500 Series Plan: From basic dental work to major restoration, this plan offers 20 to 60 percent off most dental care procedures, including six-month checkups, dentures, root canals, veneers, orthodontics and more. The plan is available at more than 60,000 participating dentists across the country, and comes with savings programs for prescriptions, vision, and lasik.
- Aetna Dental Access: Whether it’s a general cleaning, or $4,000 for your kid’s braces, this discount dental plan can save you 15 to 50 percent off most dental care procedures at more than 66,000 participating dentists across the country.
- Vital Savings by Aetna: In addition to offering 15 to 50 percent off routine procedures and major dental work, this discount dental plan can help your family save on orthodontics and periodontics. Vital Savings by Aetna, available at more than 75,000 in-network dentists, also includes options on savings programs for prescriptions, vision, hearing and more.
It’s important to remember that these plans are not dental insurance. They’re dental discount programs where individuals and families pay an annual membership fee to receive reduced rates at a participating dentist. Discount dental plans typically cost less than dental insurance and have no annual limits or health restrictions to start on any major dental care procedures needed.
This article was written by DentalPlans.com, where individuals, families and groups can search and compare more than 30 of the leading discount dental plans available at more than 100,000 dentists nationwide.