Dental treatment is one of those aspects of healthcare that people don’t always immediately think of, unless they have had dental issues themselves. But if you ask someone with a history of dental issues, they’ll tell you straight – it’s really not fun trying to haggle with your insurance provider to cover the cost of a treatment you absolutely need. Nothing impairs your negotiation skills like being in serious pain, when you know the person on the other end of the negotiation holds the key to your pain stopping.
Healthcare insurance is one of those things that has come to be accepted as part of everyday life; if you fall ill or are injured, it’s expected that the premiums you’ve been paying will cover that necessary treatment. But for many people, the reality can often fall short of matching that ideal. Your premiums are a payment against the need for treatment in the future, but a lot of people forget that insurance companies have a tendency to try and keep their costs down – and that may mean fighting you every inch of the way when it comes to paying for treatment.
Sure, there is a reason that insurance companies take such care to chase every cent; insurance fraud exists and there is no doubt that if companies took a free-handed approach to paying out, then premiums would shoot up. But this also means that legitimate claims can be denied, held up or partially paid, and that doesn’t help you when you’re looking for treatment.
For some people the idea of paying up front for a dental discount plan, and paying in the dentist’s office for treatment at the time of delivery, may seem like an upfront cost they don’t need. However, when those payments represent the only ones you’ll have to make for your dental care, they really do start to look like value for money; certainly when compared with paying insurance premiums which may never pay out.
It’s also a much simpler process when you know ahead of time what you’ll be expected to pay for a specific treatment. Clearing the boards of a specific worry can allow you to focus on what you should be focusing on, rather than worrying about another bill turning up in the mailbox and the inevitable dispute with the insurance company. Check the providers who can make your treatment cheaper, and see which dentists near you work with them and you could be saving yourself a lot of money.