With so many choices out there for dental insurance it can be over whelming trying to pick one. United health care dental insurance is considered by many to be at the top.
With over 26 million customers they have one of the largest bases in the United States for dental coverage. Some would say that with that many customers their customer service must not be that good. The opposite is true. They have so many clients because they do have great customer service. They are considered as being the strongest and most committed health care company in the world, and so you can definitely feel assured and secured when you go with United Health Care dental insurance.
Here is What They Have
The United Health Care dental insurance offers an array of features and services, including a broad offering of consumer oriented health benefit plans and services and practical online tools for consumers and employees.
One reason I like them is their online site is so easy to navigate and find what you are looking for. In just a few clicks you can see what doctors in your area accept their insurance.
With United Health Care you are able to see claims activity for your whole family, check costs for a particular procedure, compare hospitals and physicians, order your prescriptions, get the latest health and wellness tools, and chat live with a nurse.
Of course there are many other companies that you can go through for dental insurance, but the United Health Care organization is without a doubt one of the best. Their programs and services are fantastic and definitely ones that you will consider worth checking out.
Dental insurance is not for everyone. Often times you may just be better of going with a dental plan rather than dental insurance. Dental plans tend to be more affordable and cover very close to what dental insurance would. The down side is many dental plans do not have as wide a network as dental insurance would. If you already have a dentist be sure and check if your doctor is included in the dental plan.
Having the right insurance is very important, and it is essential that you have it before you actually need it, so that you are already prepared and will have nothing to worry about once the time comes when you actually do need the insurance. It is obviously even more important to be protected with insurance when you have a family, so that they are all covered as well. It can be hard to find good dental insurance, but know that there are some great options, such as the United Health Care organization, which has been discussed here.
Tuesday, March 25, 2008
Affordable Smiles
People from the western nations are now more than willing to cross borders and even oceans to get low-cost dental care in countries like India, Malaysia, Thailand and Singapore. The cost difference is indeed the huge draw for people coming in from more affluent consumers in U.S. and Europe. For example a single caries restoration costs $300 to $400 in the U.S., while it costs only $20 to $40 in the most state-of-the-art dental clinics in India. A dental bridge in the U.S. costs $5,500 while it is only $500 in India. Dental caps or dental crowns cost as high as $950 to $1450 in any U.S. suburb but it costs as low as a $100 in India. That's the dollar-rupee difference we are talking about.
But people from the U.S. and Europe are not just coming in for a small dental procedure like caries restoration, they are obviously coming down for a couple of root canals or a major dental surgery. Even a discounted round-trip to India would cost about $1,400 dollars. That's a lot of money so the trip ought to be worthwhile. Reason why, many visitors include a small vacation package to their dental appointments. For example, if a consumer comes to Bangalore for a dental procedure, he might finish up with his teeth and head to Goa for a vacation by the beach. And all this will still work out to be cost-effective for him.
Dental Tourism is growing phenomenally. It's something that the uninsured, the less insured and even the insurers are seriously considering in countries like the U.S. and Europe. It is estimated that $2 billion people will come to India as a part of the medical tourism initiative by 2012. And a good part of this crowd will come down to India for dental treatment. Because brighter smiles are more affordable in this part of the world.
But people from the U.S. and Europe are not just coming in for a small dental procedure like caries restoration, they are obviously coming down for a couple of root canals or a major dental surgery. Even a discounted round-trip to India would cost about $1,400 dollars. That's a lot of money so the trip ought to be worthwhile. Reason why, many visitors include a small vacation package to their dental appointments. For example, if a consumer comes to Bangalore for a dental procedure, he might finish up with his teeth and head to Goa for a vacation by the beach. And all this will still work out to be cost-effective for him.
Dental Tourism is growing phenomenally. It's something that the uninsured, the less insured and even the insurers are seriously considering in countries like the U.S. and Europe. It is estimated that $2 billion people will come to India as a part of the medical tourism initiative by 2012. And a good part of this crowd will come down to India for dental treatment. Because brighter smiles are more affordable in this part of the world.
Monday, March 10, 2008
Discount Dental Plans For People
As strange as it may seem, the facts are that any good individual dental insurance policy will actually improve your quality of life when you take advantage of its benefits. Over the last few years it has become common knowledge that our dental health has a direct impact on our overall health.
Unfortunately for many, good, regular, and consistent dental care is becoming cost prohibitive for many people in today's society. While it is true that everything is going up in price at a pace faster than that of the cost in the dental industry, it is also true that people find it very easy to move good dental health care to the bottom of their priority list. These same people fail to realize that their mistaken priorities can result in serious health problems.
Many people believe that because they brush their teeth and floss every day and their teeth appear to be pearly white that everything is fine. Unfortunately this it is also true that these very same people are shocked when at three o'clock in the morning they are awakened by serious dental pain. Then not only is there a painful shock there will soon be an extreme financial shock as they now prepare to pay for more extensive dental work.
Many people put off regular and consistent dental care because of the perceived high cost of a dental appointment. And, in reality, spending $100 or $200 for an examination and x-rays can be a serious expenditure for many people. This is why many individuals in the United States are turning to individual dental insurance policies as part of their healthcare arsenal.
Individual dental insurance policies give to the policyholders the possibility of balancing out dental costs over the course of a 24 month period. While a dental policy or dental plan does not have to be maintained for such a long period of time it does become very much more cost effective for the policyholder to do so.
Any good dental insurance plan or even one of the many discount dental plans available on the market now will go a long way toward helping you to manage your costs. While many people are discouraged from going to the dentist on a regular basis because of their fear of pain, in the overwhelming majority of cases the issue is really financial.
For people concerned with the financial impact of regular dental care on their budgets it is wise to do just a couple of moments of research to find out what insurance plans are available to you in your ZIP code and how much the monthly premium cost will be.
Unfortunately for many, good, regular, and consistent dental care is becoming cost prohibitive for many people in today's society. While it is true that everything is going up in price at a pace faster than that of the cost in the dental industry, it is also true that people find it very easy to move good dental health care to the bottom of their priority list. These same people fail to realize that their mistaken priorities can result in serious health problems.
Many people believe that because they brush their teeth and floss every day and their teeth appear to be pearly white that everything is fine. Unfortunately this it is also true that these very same people are shocked when at three o'clock in the morning they are awakened by serious dental pain. Then not only is there a painful shock there will soon be an extreme financial shock as they now prepare to pay for more extensive dental work.
Many people put off regular and consistent dental care because of the perceived high cost of a dental appointment. And, in reality, spending $100 or $200 for an examination and x-rays can be a serious expenditure for many people. This is why many individuals in the United States are turning to individual dental insurance policies as part of their healthcare arsenal.
Individual dental insurance policies give to the policyholders the possibility of balancing out dental costs over the course of a 24 month period. While a dental policy or dental plan does not have to be maintained for such a long period of time it does become very much more cost effective for the policyholder to do so.
Any good dental insurance plan or even one of the many discount dental plans available on the market now will go a long way toward helping you to manage your costs. While many people are discouraged from going to the dentist on a regular basis because of their fear of pain, in the overwhelming majority of cases the issue is really financial.
For people concerned with the financial impact of regular dental care on their budgets it is wise to do just a couple of moments of research to find out what insurance plans are available to you in your ZIP code and how much the monthly premium cost will be.
People Who Want Dental Insurance And Dental Plans
Most people would not the difference between dental insurance and dental plans. For some, it could mean the same thing - with the word "dental" on both, they would invariably mean saving money on dentist's fees.
However, in real life scenarios there is a difference in convenience between dental insurance and dental plans.
Just like any other insurance program, obtaining the benefit from you dental insurance plan can be a lengthy, albeit complicated, process. To be even covered, a patient must go through a paperwork process and be reviewed for pre-existing conditions. There is also a long waiting period that any one must put up with.
When a person is already covered, and when he has a procedure done, a claim is filed with the insurance company and then the company will send the money, either to the patient (under a reimbursable plan) or to the dentist under a regular plan. Apart from the monthly premium, you will usually have to pay some deductible to benefit from your plan. Of course, not all companies are created alike, and different companies actually have different fees, practices, and claims process.
A dental plan, on the other hand, is not an insurance plan. It's more like a discount plan. You are still able to go to a dentist on the network at any time. With a dental plan, you only need to pay an annual fee - and there are no waiting periods, claim forms, deductibles, or pre-existing conditions. What this is all means is that you will need to pay the discounted dentist's fees from out of your own pocket.
There are an equal number of people who want dental insurance and plans. If you're like most people, then you're probably looking for a cheap dental insurance Have a look around on the Internet and you'd probably see that there as many providers as the number of teeth that you have. At any rate, do not think for a moment that dental plans are dental insurance plans, because they are not.
The combined listings of dental networks in the United States total over 210,000 dentists, so there's a good chance you will find a dentist you like.
However, in real life scenarios there is a difference in convenience between dental insurance and dental plans.
Just like any other insurance program, obtaining the benefit from you dental insurance plan can be a lengthy, albeit complicated, process. To be even covered, a patient must go through a paperwork process and be reviewed for pre-existing conditions. There is also a long waiting period that any one must put up with.
When a person is already covered, and when he has a procedure done, a claim is filed with the insurance company and then the company will send the money, either to the patient (under a reimbursable plan) or to the dentist under a regular plan. Apart from the monthly premium, you will usually have to pay some deductible to benefit from your plan. Of course, not all companies are created alike, and different companies actually have different fees, practices, and claims process.
A dental plan, on the other hand, is not an insurance plan. It's more like a discount plan. You are still able to go to a dentist on the network at any time. With a dental plan, you only need to pay an annual fee - and there are no waiting periods, claim forms, deductibles, or pre-existing conditions. What this is all means is that you will need to pay the discounted dentist's fees from out of your own pocket.
There are an equal number of people who want dental insurance and plans. If you're like most people, then you're probably looking for a cheap dental insurance Have a look around on the Internet and you'd probably see that there as many providers as the number of teeth that you have. At any rate, do not think for a moment that dental plans are dental insurance plans, because they are not.
The combined listings of dental networks in the United States total over 210,000 dentists, so there's a good chance you will find a dentist you like.
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