Emergency Dental Care in the USA

Looking for Emergency Dental Insurance?

Unless you have Insurance at the time of the emergency, it is usually not an option. But there are options that will save you money and get you seen by a reliable Dentist when a painful emergency occurs. With a Discount Plan you can see the Dentist the same or next day, if there is an on-going condition.

How Dental Insurance works:

Discount Plans has been around for a long time, but many consumers do not understand the difference between discounted plans and insurance. With insurance the patient pays a monthly premium, typically $50 - $150 or more per month. When ever the insured patient visits the Dentist, the insuring company pays a portion of the bill, usually with a direct payment to the treating office. The insured client usually will have a deductible of $100 or more which must be paid out before the Insurance Company pays. Once the deductible is met, the company will typically pay out between 50-80% of the bill, and that will vary depending on the type of dental procedure.

With insurance there are usually exemptions, where certain types of costly procedures are no covered, such as braces or cosmetic procedures. Of the dental work that is covered there may also be waiting periods, before certain procedures can be done. Then the final downside is the fact that there are annual limits on the services. These limits, exclusions and caps on the service are essential to the policy, otherwise insuring provider could be liable for more money that they take in and eventually go out of business.

A Better Option:

One of the options to consumers is the Discount Plan. In fact many Insurance companies today are offering discounted plans to their clients. They are less costly to consumers as they pay a lower monthly premium. The Discount Organization contracts with local Dentists to provide their services at a discounted rate.

Why would a Dentist accept a discounted fee for their services? They are willing to provide them because the participating member, pays the agreed fee at the time of service. The prompt payment by the patient, eliminates to need to deal with the costly aspects of billing. There is no paperwork. Having plan members referred also eliminates the need to pay expensive advertising costs, as the company sends them a steady stream of new patients.

The Discount Plan concept works so well for the Dentists, that they are willing to provide deep discounts usually between 25-80% in most areas. The amount depends on the procedure. Bottom line with these plans, the Dentist and member both win.

Options for Emergency Dental Care Service:

1. Investigate getting a Discounted Plan with no waiting period.
2. Contact an Emergency Dentist in your area for a visit.
3. If on the weekend and there are no other options, go to the pharmacy and purchase Ora-Gel for the tooth pain or get to the hospital emergency room if the pain in the teeth persists.

About the author: Bill Simms is a Benefits Specialist with AmeriPlan Discount Dental Plans since 1997. For more information visit the link above or call 1-888-670-5190

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