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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Options to Access Health Insurance for Young Adults

With the requirement of the Patient Protection and Affordable Care Act (PPACA), also known as Obamacare, that every American purchase health insurance or face a tax, there are many young adults that will be looking to access health insurance for the first time in their lives.  There are so many options out there, it can be difficult to choose which is the best way to cover them and their families.  With that in mind, here are some of the best ways to access health insurance that is comprehensive and affordable.

An Employer’s Plan

The Affordable Care Act expanded the eligibility requirement of group plans.  Under Obamacare employers must offer medical coverage to all of their full-time employees, defined as employees working at least 30 hours per week.  If the employer refuses, they will pay a fine.

There are some formulas to determine the hours an employee works, but as long as a worker meets the 30 hours per week mark they will be offered the same coverage options as everyone else.

In addition to being offered coverage, the law requires that the insurance be affordable.  An employer cannot charge more than 9.5% of an employee’s monthly salary to access health insurance at the workplace.  If more than 9.5% is kept out of a paycheck, the employer will face a fine.

A Parent’s Plan

Another big advantage of Obamacare is the requirement that children be allowed to enroll in a parent’s plan until age 26.  Before the legislation was passed it was up to the insurance plan to decide how long children could be covered.  Now, a dependent can be enrolled long enough to give him or her time to establish their own means for paying for a medical insurance plan.

A parent’s plan can be an inexpensive way to access health insurance since many employers subsidize the cost of children on a plan.  If another child is already enrolled, then there usually is no extra cost to add another.

Health Insurance Marketplaces

Obamacare established health insurance marketplaces, online sites designed to help individuals and small businesses access health insurance with ease.  The marketplaces, also called exchanges, will offer 4 levels of plan design from various health insurance companies.  The exchanges are the responsibility of each state, and some states have built their own exchange.  Some others are sending their residents to a federal exchange.

If someone does not have coverage offered at work, earns less than 400% of the federal poverty level, and purchases insurance on the exchange, they will be eligible for tax credits to help offset the cost of the premium.

Individual Insurance

If group insurance and the health insurance marketplaces are not a viable option, there is still the possibility of finding individual insurance on your own.   There will be some legwork involved, as it is not necessarily easy to sort through plan designs from different companies.  However, you will have more options as to which level of insurance plan you would like than you will on the exchange. The coverage bar required to satisfy the individual mandate is not very high, and you can find plans that meet the requirements at a low price, albeit without much coverage.

If you do not want to find individual insurance on your own, you can hire a broker to access health insurance for you.

Medicaid

Before 2014, it was hard for adults in many states to qualify for Medicaid.  However, Obamacare expanded Medicaid to make it much easier to be eligible for assistance through this program.  Like the exchanges, Medicaid is administered through the states, so check with your state’s Medicaid office for more information.

No Pre-Existing Condition Exclusions

Being able to access health insurance is much easier post-2013 than it was before due to the fact that insurance companies cannot deny coverage to people due to pre-existing conditions.  This has made it less complicated to find a quality plan at a reasonable price.

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Is Health Insurance for College Students Available Through the Exchanges?

Health insurance for college students can be a tricky thing.  For one, health insurance plans have limits on how long a dependent child can be on their parent’s medical plan.  Second, it can be hard to find a health insurance plan that is affordable for students while they are not making much money.

Both of these issues are addressed by the Patient Protection and Affordable Care Act (PPACA), or Obamacare as many people know it.  While the law is a political hot button, college age students can benefit greatly from the legislation.

How Does Obamacare Help College Students?

Health insurance for college students is addressed in couple of ways by the Affordable Care Act.  First, the law allows dependent children to remain on their parent’s plan until the child reaches age 26.  For many people, this gets them through the college years with access to health insurance.

Second, the law provides two avenues to help pay for medical expenses  – expanded Medicaid and the health insurance exchanges, or marketplaces.  Medicaid has been expanded to include adults that make less than 133% of the poverty level.  Medicaid is administered by the states, and not all states are going to expand Medicaid, so make sure to check with your state’s eligibility.

The health insurance marketplace, then, is a great option of health insurance for college students.

Why is the Exchange Good for College Students?

If a student in college needs to purchase insurance on their own, there is a good chance that they will be making this sort of purchase for the first time.  The exchanges are online locations where available plans are laid out side-by-side to make it easy to compare the health insurance options, both by plan design and premium.  This will make the purchase easy to wade through and understand.  If the student needs assistance, they can contact customer service representatives, called navigators, to help them through the process.

But perhaps the best thing for college students is that PPACA allows for tax credits for purchases through the marketplace if the individual makes less than 400% of the poverty level.  The calculation for this credit is done online.  Since many people in school make less than this threshold, health insurance for college students is much more affordable than before the Affordable Care Act.

Like Medicaid, the exchanges are administered through the states.  Some states do not have their own exchange.  In that case, residents will go through the federal marketplace.  You can find your state’s marketplace here.

Filing Tax Returns

One thing to be aware of if a college student purchases a medical plan through the exchange is that he or she will have to file a tax return, even if there would otherwise be no reason to file.  So while health insurance for college students is available for a low cost on the exchange, make sure to actually get the credit you were promised.

The Affordable Care Act is a controversial piece of legislation.  The effects, both good and bad, will be felt for years.  But one thing for sure is that the availability and affordability of health insurance for college students was helped by PPACA.

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Coins representing the cheapest health insurance options available.

5 Ideas for Cheap Health Insurance for Young Adults





Finding the cheapest health insurance options available can seem like an overwhelming task.  There are numerous insurance companies to search through as well as a long list of plan types to enroll in.  What can make the task harder is finding the time to research and sign up for the plans.  At the end of the day, though, you need to have good coverage at an affordable price.  Here are the best ways to find low cost medical insurance and the cheapest health insurance for young adults.

Short-Term Health Insurance

Between jobs, or just need to make sure you have some low-cost health coverage during a certain point in your life?  Short-term health insurance may be the best thing for you.

Short-term health insurance plans are generally less expensive than qualified major medical health plans, but they do not offer the same level of coverage and usually do not cover pre-existing conditions. They also do not cover the minimum essential coverage of Obamacare, so a short-term plan will not get you off the hook for paying the individual mandate penalty.

Having said all that, short-term plans are a really good idea if you want an inexpensive plan for a short period. Just make sure you understand – and are ok with – the fine print.

Need help finding a great short-term plan? Get a quick and easy quote here.

Medicaid

Medicaid is a government program that helps people with low incomes receive medical services.  Medicaid is administered by the states, and eligibility varies depending on where you live.  The Patient Protection and Affordable Care Act (PPACA), or Obamacare as it is commonly known, expanded Medicaid, making it easier to enroll.  If Medicaid is something you think you might qualify for, check out your state’s Medicaid website.  Medicaid isn’t the cheapest health insurance, because it is not technically insurance, but it helps pay for the cost of health care needs.

Health Insurance Marketplaces

The health insurance marketplaces, or exchanges as they were first labeled, will not be the cheapest health insurance for everyone, but it can be for some people.  The Affordable Care Act provides tax credits for individuals that makes less than 400% of the federal poverty level.  The credits are graded based on income, and if you are eligible for the subsidy, the marketplaces can be great places to find cheap medical insurance.

Like Medicaid, the marketplaces are administered by the states.  However, not every state participates.  In that case, residents can use the federal exchange.  You can find your state’s exchange here.

To enroll in a Marketplace plan, go here.



Your Parent’s Medical Plan

Another benefit of the Affordable Care Act is that young adults are able to be enrolled in their parent’s medical insurance plan until age 26.  This can be advantageous because many times there is not a huge rate increase to add a child.  If your parent(s) already have another child enrolled in the plan, you can probably be added with no additional cost.  Many group plans have an Employee + Child(ren) rate tier, meaning that a subscriber can add multiple children for the same rate.  The same goes if your parent is in an Employee + Family rate tier.

Not only could this be the cheapest health insurance option, it can also be a free health insurance option.

Catastrophic Health Insurance

You have to be careful with catastrophic health insurance.  On one hand, the premiums will be lower than a plan with lower deductibles and copays.  However, if you have a claim, you will be required to pay more out of pocket expenses.  But if you are looking to at least have some coverage, and you are lucky enough to not have many claims, catastrophic coverage might be the cheapest health insurance available.

Your Employer’s Plan

This option is not available to anyone, but if you are offered a health insurance plan by your employer, it might be the cheapest health insurance that you can get.  Employers that offer group coverage will usually subsidize the cost of the employee’s health insurance premium, many times paying 100% of the cost.  What they pay for dependents, though, is usually a much higher amount.

In addition, PPACA caps the most a company can charge a worker for the employee portion of the premium at 9.5% of the employee’s salary.  This equates to about $89 per month for a minimum wage worker that works 30 hours per week.

Health insurance costs continue to increase, but these options will help you find cheap health insurance for young adults.



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Is Student Health Insurance Something You Should Look Into?

When you or your child is a college student one of the biggest concerns is how they will be insured in the event that they get sick or have an accident.  Some colleges and universities have student health insurance arrangements with insurance companies to provide medical plans in line with the needs of students.  But that is not the only way to be covered by student health insurance.

Why Have Student Health Insurance?

It is very easy to get caught up in the thinking that a young college student can get by without health insurance.  The chance of loss is small compared to other age groups, and even in the event of an illness, there are free clinics on campus.  Even if the student sees a doctor off campus, the cost of paying for a visit is cheaper than insurance premiums, so why not go without the insurance?

But what if something more serious happens?  What about a car accident?  What about a rush to the emergency room for an illness?  Due to the Patient Protection and Affordable Care Act (PPACA), or Obamacare as it is more commonly known, an individual can get covered even with a pre-existing condition, but in the event of a sudden accident or illness, thousands of dollars in claims could be incurred before an insurance plan is in place.  That is a big risk to take.

By getting health insurance for a student, those risks can be mitigated.

And don’t forget that there are taxes assessed to every American that does not have health insurance.

How to Get Student Health Insurance

Health insurance for students can be gained in several ways.  Perhaps the easiest is to continue on a group plan through a parent’s employer.  PPACA requires insurance plans to allow children to remain on their parent’s plan through age 26.  If this is an option, it will generally be cheaper to join this plan than get the student their own health insurance plan.  This is especially true if they parent is already on a family plan.  It will not cost any extra to add the college student.

Many health insurance companies also have student health insurance options available that tailor plans to the needs of college students.  This can be an easier way to find a plan than going into the individual market.

That doesn’t mean you should stay away from the individual market.  By going to various insurance companies yourself, or using a broker, you can find plans with premiums that fit your needs and budget.  It can take some time doing it yourself, but there is a good chance you can find a plan that is close to what you are looking for.

Lastly, there is the health insurance exchange.  These were established by PPACA as online marketplaces where individuals can go and compare medical plans on an apples-to-apples basis.  The marketplaces also help someone determine if they are eligible for federal subsidies to help offset the cost of insurance.

While the insurance quotes a student receives might be high, there are ways to reduce that cost through the government  and plan design.  Student health insurance is a great way to avoid costly medical bills and have more peace of mind about the college experience.

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