Dental story online

Admit it – most of us hate going to the dentist. Sure, when we were kids we were scared of the pain, but as adults? We are scared of the cost! Also, many employers who offer health insurance packages do not offer dental health insurance, and just like they are not required to offer health insurance, they are not required to offer dental insurance, either. This means you are left to find cheap dental health insurance on your own.

So, how can you find cheap dental health insurance? You may be surprised to know that you can purchase dental health insurance coverage for as little as $100 a year when using one of these four dental health insurance plans.

1. The most common type of dental insurance plan is the Indemnity Plan (IP). The coverage is limited to a certain amount, but you usually have the option of choosing your own dentist, which can save you money in the long run.

2. With a Dental Health Maintenance Organization (DHMO), you can not choose your own dentist, but you are guaranteed a certain number of visits to the dentist each year after paying one annual premium.

3. By using a Preferred Provider Organization (PPO), you can choose your own dentist within a particular network, and will be offered discounted services because you will be insured through the PPO.

4. A Dental Discount Plan (DDP) is not a traditional dental health insurance plan, per say, but certain dentists will agree to offer discounted dental health care to a particular group. You won’t have a limit to worry about, and you can choose your own dentist within the DDP. Although DDPs aren’t as common as IPs, they are definitely growing in popularity at an accelerated rate.

So you see, visiting the dentist does not have to be as scary as it once was! That is, as long as you can get past the pain!