Figuring out the right type of dental coverage for you is important, because it is coverage you need for your dental health. It’s a challenge to find the right type of plan that provides affordability and sufficient coverage. Evaluating low-cost dental plans before actually choosing one is vital. You need to look around to get a feel for what’s available, before you actually choose any particular plan.
If you’re looking at low-cost dental plans, you’ll be looking at either traditional insurance plans with limited coverage, or dental discount plans. These are your two top options to find the most value in dental coverage. You want to get the right type of dental plan to obtain the best value and the most coverage. Low cost dental insurance plans and discount dental plans operate differently, which is why you have to understand what they offer before making a choice.
Now here is the secret that dental insurance companies do not want you to know.
Many individuals realize that they are better off putting the dental insurance premium dollars into a savings account and asking their dentist for a cash discount. Pay for your dental needs when and if you need work done and you will likely have savings at the end of the year still in your account. Most will have a considerable amount in savings after a five year period because they do not get a great deal of dental work done.
What does make good financial sense when selecting an individual dental and vision plan?
In our opinion, QCD of America Individual Dental and Vision plan, makes good financial sense.
Let’s look at an example and the math makes this point clear.
Our philosophy is simple and transparent:
if you have questions or need our assistance in your evaluation, please contact us at:
QCD Individual Plan Department
972.726.0444 or 1.800.229.0304
or e-mail us at firstname.lastname@example.org
The QCD Red Discount Plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This plan is not a Qualified Health Plan under the Affordable Care Act. This is not a Medicare prescription drug plan. The range of discounts will vary depending on the type of provider and service. The plan does not pay providers directly. Plan members must pay for all services but will receive a discount from participating providers. The list of participating providers is at http://www.qcdofamerica.com/finddentists/index. A written list of participating providers is available upon request. You may cancel within the first 30 days after receipt of membership materials and receive a full refund, less a nominal processing fee (nominal fee for MD residents is $5, AR and TN residents will be refunded processing fee). Discount Medical Plan Organization and administrator QCD of America 751 E. Southlake Blvd. Suite 120, Southlake, Tx 76092.
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