Dental insurance was a standard employee benefit for most people until a decade or so ago. The expense became too much for employers in much the same way medical insurance costs also became cost-prohibitive. Some employers offer group plans to employees at their own expense. Although low-cost insurance is better than zero insurance, co-pays, restrictions, and the need to get pre-approval for many common procedures is often more of a hassle than it is worth.
Membership in dental plans is cost-effective, eliminates the hassle of paperwork, and can be customized to suit individual preferences and needs. There are over thirty plans available for different carriers. Plans are not insurance, and that is important to keep in mind. They work differently and do require members utilize dentists who are in the network.
How It Works
Individuals, families, or businesses pick a plan and pay an annual membership fee. That …