getgrants 2
What are discount dental plans? They provide you with a network of dentists and dental specialists who offer their services at a discount . The discount can reach 60% to 70% of the UCR rate. You pay a very low monthly or annual fee, such as $10 per month. In return, you pay a flat fee that the dentist or specialists accept. It looks like insurance, but it's not.
It is not insurance. Rather, the participating dentist offers a discount for her service rather than going through insurance. The drawback is that you have to pay the amount at the time of service.
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This is most beneficial to visitors here in the United States, say a person on a travel visa or a student visa. However, undocumented immigrants and those without a social security number can also use it. You can check out all of the discount dental plans we support on our partner website.
In addition, these plans offer other benefits such as vision services, prescription drugs and medical telemonitoring services .
Although they have advantages, discount dental plans can cost much more in terms of total out-of-pocket costs. Also, not many dentists participate in discount dental plans. I think they can work, in certain cases, but you have to be careful.
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There are a wide variety of resources for dental care , including local health departments, health insurance programs, dental schools, clinical trials, and state and local resources.
local health departments
The Office of Primary Health Care, a service of the Health Resources and Services Administration (1-888-Ask-HRSA), supports federally funded community health centers across the country that offer free or reduced-cost health care, including dental care.
Medicare, Medicaid, CHIP
The Centers for Medicare & Medicaid Services (CMS) administers three major federally funded programs: Medicare, Medicaid, and the Children's Health Insurance Program (CHIP).
Medicare is a health insurance program for people 65 years of age or older or for people with specific disabilities. Medicare dental coverage is limited ; does not cover most routine dental care or dental prosthetics.
Medicaid is a state program that provides medical, and in some cases dental, benefits to eligible individuals and families. States set their own guidelines for who is eligible and what services are covered. Most states offer limited emergency dental services for people age 21 and older, while some offer full services. For most people under the age of 21, dental services are provided through Medicaid.
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CHIP helps children up to age 19 who do not have health insurance. CHIP provides medical coverage and, in most cases , dental services to eligible children. The dental services covered by this program vary from state to state.
CMS (1-800-MEDICARE) can provide you with detailed information about each of these programs and refer you to state programs where appropriate.
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