Where To Find The Best Cheap Discount Dental Plans And Quotes Near Me

Are you looking for cheap dental insurance and discount dental plans near you? Maybe you are needing dental implants, orthodontic insurance, or simply a cleaning.  Perhaps you need dental insurance for kids or dental insurance for seniors. No matter what you are needing, you are probably wanting your purchase to be cheap insurance for affordable dental care. Before you read any further, you will want to check out great discount dental plans and quotes near you by clicking on the link below.

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Why Buy Discount Dental Plans?

No dental insurance? Before you buy dental coverage and go looking for a dental clinic near you, it would be good to understand why you might need to look into discount dental plans. Many people think the cost of a cleaning is low cost dental work, so why not just find a cheap dentist without insurance, pay out of pocket, and not pay premiums for full coverage dental insurance? That’s not a bad way to think, but consider these other dental costs that will be a heavy burden, especially for those needing low income dental care.

  • Braces – Most kids will need braces, and many adults need them too. The average cost of braces is between $3,000-$7,500. Now, even with dental insurance for braces, you will pay some out of pocket since most plans limit the coverage. However, with a good dental plan you can get a discount on the price of the braces and save a ton of money vs. what you would pay without orthodontic insurance.
  • Dental Implants – Dental implants, also known as root canals, have an average cost of $4,000. Can you imagine the physical pain of a root canal being compounded by a $4,000 dentist bill? Dental insurance companies offer dental implant insurance that greatly reduces your expenses.

The dentist prices associated with braces and dental implants are just a couple of high cost expenses that can occur. When you find the best dental insurance plan and best discount dental plan near you, you can mitigate these costs and get affordable dental care.

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What Kind of Dental Plans Are Available Near Me?

There are a number of different types of cheap dental plans near you.

  • Do you want insurance just for yourself or your family? Individual dental insurance plans and family dental insurance plans can be purchased, depending on your needs. Compare dental plan prices in your area and see the dental plan quotes for all your dental needs.
  • Dental Discount Plans – Want a dental plan without a waiting period? Then you need to get a discount dental plan.  Discount dental plans can be a great way to find affordable dental plans to get low cost dental care. Please note that dental discount plans are NOT full coverage dental insurance. They are simply a discount on the cost of dental services. However, a dental discount card can be very valuable and allow you to find an affordable way to get cheap dental care. They are much cheaper than dental insurance. Find great plans here!
  • PPO Dental Insurance – Dental insurance PPO plans are what many people are familiar with. There is usually a deductible and annual maximum, and you pay a percentage, or coinsurance, for services. Many times a cleaning is paid for at 100%, allowing you to get free dental work!
  • HMO Dental Insurance – A dental insurance HMO plan is similar to a PPO dental insurance plan. However, HMO plans usually have a set fee for each service that a dentist might perform.

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Who Should Buy A Discount Dental Plan

Discount dental plans are great for anyone who wants to get cheap dental work but not pay a lot for that privilege. Dental discount plans give you freedom to find a cheap dentist and get even more bang for your buck. No worries about networks.

College students are great for discount dental plans. When your child is away from home, you want to know that they will be taken care of if they had to go see a dentist. Discount dental plans are great, inexpensive dental plans for college students. Here is a great offer for college students:

college students dental insurance discount dental plan where to find a dental plan near me
Great dental plan offer for college students.

 

How To Get Discount Dental Plans, And How Much Are Discount Dental Plans Near Me?

Fortunately, it is easy to find out how to get discount dental plans near you, and how much a discount dental plan is near you. You can go here to compare dental plans and find the dental insurance cost that you are comfortable with. Once you get your plan, you can start looking for a dentist that can provide you with the cheap dental work that you need to get that beautiful smile.

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Top 10 Most Expensive Health Insurance Markets in the United States

Kaiser Health News has an article out that lists the 10 most expensive health insurance markets in the United States.  Some things to note about the list:

  • The ranking is based on the exchange available in each of the states, whether it be a state-run exchange for the federal exchange.
  • The ranking uses the lowest cost Silver Plan available in each region.  The Silver Plan seems to be the most popular marketplace option.
  • The ranking uses the cost for a 40-year old person.  Some states such as Vermont do not allow different rates based on age, so while Vermont is on Kaiser’s list, it may not necessarily be on every list of this type.
  • The cost shown does not take into account available subsidies.

It’s interesting to see how locations all throughout the country make the list.  Some are on here due to poor health and low employer-provided coverage, and some are on here due to high cost of medical care.

If you have been out shopping for health insurance on the exchanges, you have no doubt had many questions and have possibly had some sticker shock. Unless you live in one of these 10 locations, the sticker shock could be worse.

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Is Affordable Medical Insurance Available to Young People?

There are not many problems with being young.  One of them, however, is that it can be difficult to find affordable medical insurance.  A good health insurance plan is not cheap and will still usually leave you with a large medical bill if you use the plan.  But that doesn’t mean that you have to pass up the opportunity to buy coverage for yourself and/or your family.  There are ways to be able to afford a good plan.  Here are some of best.

Why it is Important to Have Medical Insurance

There are a couple of big reasons to have medical insurance.  For one, in the event that you need medical services, you will owe less out of pocket if you have an insurance plan.  With an insurance company, you will get the benefit of having bills discounted, which you will not receive if you are not covered.  You will be responsible for the entire bill and having to negotiate with the doctor or hospital on your own.

Second, the Patient Protection and Affordable Care Act (Obamacare) requires every American to be covered by a health insurance plan, or else face a tax.  The requirements for this mandate are not too strict, so finding affordable medical insurance and avoiding the penalty is possible.

Health Insurance Marketplaces

The Affordable Care Act created health insurance exchanges, online marketplaces where individuals can compare plan designs and premiums for plans from various insurance companies.  The idea of the marketplaces is that with a level plan design playing field, insurance companies will get competitive with each other to drive down the cost of insurance.  While the jury is still out on this, the law created another way to find affordable medical coverage on the exchanges.

That would be by giving tax credits to help offset the cost of the insurance premiums.  If you make less than 400% of the federal poverty level and are not eligible for Medicaid, you will receive assistance to pay for the coverage.

The marketplaces are administered by the states.  You can find your exchange here.

Group Coverage

Group coverage has always been a decent way to receive affordable medical insurance.  Employers typically subsidize the premiums and offer a reasonable plan.  Obamacare has made it even easier to afford the cost of a group plan.  The law states that an employer can only charge an employee up to 9.5% of the employee’s salary.  So for someone making $20,000 per year, 9.5% equals $158 per month.  That sounds like a lot, but it is a small percentage of the actual premium.

The Affordable Care Act also states that an employer must offer a plan that pays for at least 60% of the cost of the claims (with the other 40% paid by the member).  A 60% plan will have a large out of pocket exposure, but will keep you from going broke in the event of a major illness or sickness.

Catastrophic Health Insurance

Another way to find affordable medical insurance is catastrophic health insurance.  Catastrophic health insurance has large out of pocket limits, but the premiums are small.  So while the coverage is affordable on a month-to-month basis, it will not be affordable if you have a significant claim event.  But at least you’ll have medical coverage.  Most catastrophic plans will meet the requirements of coverage needed to avoid the individual mandate penalty.

A Parent’s Plan

Obamacare allows children to remain on their parent’s plan until age 26.  Not only is this a way to find affordable medical insurance, it can be a way to get free health insurance.  If a child is already on the plan, there is usually no additional cost to add another child.  This can be a great way for young people to get covered.

Affordable Medical Insurance is Available

Affordable medical insurance is available to young people.  However, affordable can be a relative term.  Healthcare is expensive, and so is the insurance to cover it.  But with some work, you can find a plan that fits your needs and your budget.

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Top 5 Ways to Get Low Health Insurance Rates

Finding low health insurance rates can seem like a futile exercise.  There are so many things to consider that it can get overwhelming very quickly.  However, there are several ways to keep from spending too much for quality health coverage.  Unfortunately, you can’t get any younger, but here are 5 other ways to get low health insurance rates.

Increase Out of Pocket Limits

Insurance is handing the risk of a loss over to someone else in exchange for paying a premium.  The more risk you take on for yourself, the lower the premium that you will pay.  In the health insurance world, you do this by choosing a plan that has high out of pocket limits.  Increasing things like deductibles and copays will mean that you will pay more if you need medical services, but the monthly health insurance rates you pay will be lower.

Join Your Employer’s Plan

If your employer offers a plan and you are eligible, it can make sense to join their plan.  The Patient Protection and Affordable Care Act (PPACA), also known as Obamacare, sets limits on the amount that an employer can charge its employees for a health insurance plan.  It also makes sure a group plan has essential benefits.  So while not every group plan will be the perfect plan, you can find a plan with low health insurance rates.

Health Insurance Marketplaces

The Affordable Care Act created health insurance marketplaces where individuals and small businesses can go to easily compare health insurance plans and premiums.  If your employer does not offer you a benefit plan that meets minimum standards, you are eligible for a subsidy to help offset the cost of a medical insurance plan that you buy on the marketplace.  These subsidies are tax credits and can really help to lower the cost of the health insurance rates that you pay for your insurance.

Your Parent’s Plan

PPACA also made it mandatory that children be allowed to stay on their parents plan until they reach age 26.  Many times, someone can add their child to the benefit plan for just a small amount.  If another child is already on the benefit plan, then the health insurance rates will usually not even increase since the parent is either on an Employee + Children or Employee + Family plan to begin with.  So in essence, someone can get free health insurance by enrolling in their parent’s group plan.

Hire an Insurance Broker

If you do not have a group plan to join and you cannot find a satisfactory plan on the exchanges, then it might be a good idea to hire a health insurance broker.  Comparing a multitude of plans from a multitude of insurance companies can be too much to handle, but for an insurance broker, it is just another day.  Brokers have insider knowledge of the insurance industry and can quickly and efficiently find options for comprehensive coverage with good health insurance rates much better than the rest of us.

Health insurance rates are not going to be cheap, but these five methods can help you find low cost health insurance.

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Health Insurance for Unemployed Young Adults

Anyone—especially a young person—who has ever been without a job knows the immense stress that can overwhelm your life.  One of the biggest worries is how medical bills will be paid.  After all, the easiest way to be covered with medical insurance is to be a part of a group plan.  There are less pre-existing condition exclusions to worry about, and an employer will usually subsidize the cost of the plan, making it much cheaper than going out on your own and buying an insurance policy.  However, if the day comes that your job is no longer around, know that comprehensive health insurance for unemployed young people can be found at an affordable rate.  Here are ways to make that happen.

COBRA Health Insurance for Unemployed

If you worked for a company that employs more than 20 people, then COBRA insurance is available.  COBRA allows former employees to continue on the medical plan that they were a part of when they were employed.  The access to quality insurance is a good thing about COBRA.

However, there is a significant downside to this form of health insurance for unemployed young people, and that is the cost.  To be on a COBRA plan, you are required to pay the entire monthly premium of the plan (plus 2% for administrative costs).  Since the premium was most likely partly paid for by the company, the cost of COBRA insurance will be a big jump from what was being paid previously.

Parent’s Plan

The Patient Protection and Affordable Care Act, also known as PPACA or Obamacare, allows people to be enrolled on a parent’s plan until the child reaches age 26.  This can be a terrific option of health insurance for unemployed young people.  If your mom or dad has group insurance, they can enroll you in their plan if you lose your job.

The upside of this is that to add a child to a plan is not very expensive.  In fact, if another child is already on the plan then there will probably not be an additional cost.

Marketplace Health Insurance for Unemployed Young Adults

The Affordable Care Act set up health insurance marketplaces, also known as exchanges, where people can go online and shop for health insurance.  The exchanges might be a good option if a young person is having trouble finding good, affordable coverage elsewhere.

The marketplaces can be a great place to find health insurance for unemployed young people since the federal government provides tax credits to individuals that earn less than 400 percent of the poverty level but are not eligible for Medicaid.  Many unemployed young people will fall in this category.

The marketplaces are also good places to find health insurance for your children.

Medicaid

While Medicaid isn’t technically health insurance for unemployed young people, it can be a good way to help pay for medical expenses.  Medicaid is administered by the states, and eligibility varies by state.  PPACA expanded Medicaid eligibility, but not every state has implemented the new Medicaid rules.

If your child needs Medicaid, but you are not eligible, CHIP insurance is available.

If Medicaid or CHIP is something you are interested in, check out your state’s Medicaid website.

Find Health Insurance One Way or Another

With the cost of health care continuing to rise, quality and affordable health coverage is needed.  Fortunately, finding health insurance for unemployed young adults is not as difficult as it used to be.  Government programs and group plans are available to keep from going broke when you least can afford it.

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