UBP blog

11/19/2009

Don’t you wish there was a dental insurance time machine?

So, you have a pretty bad toothache and you decide to have it checked out. You go to your dentist and find out it was a very good idea you did because guess what? You need a root canal.

Now, we all know two things for sure about root canals:

  1. They’re painful
  2. They cost a lot of money

The pain is something you’re going to have to deal with no matter what but the cost, well that’s a whole separate beast to tackle. This is especially true when you just enrolled in dental insurance a month ago and the waiting period to get a root canal is 12 months.

Now, if only you had a dental insurance time machine. That way, you could go back to a year ago, enroll in the plan and you would be able to afford your root canal today.

Unfortunately, time machines are only real in the movies, so that’s not an option. A few real options for you are:

  1. Get your root canal now and pay your dentist’s usual rate for it all out of pocket: It’ll cost you a lot of money and you won’t really be able to budget for it, plus he has his own rate and who knows how much it is?  It’s not like your dentists posts a menu of services with prices like a restaurant.
  2. Suffer for another 11 months until your insurance will cover it

So, what will you do?

Another (smart and affordable) option:

Luckily there’s a third option for people in need of immediate, affordable dental care—a discount dental plan. 

Currently, there are 40 million Americans without dental insurance and so many of them are delaying dental care, all because of cost. However, according to the American Dental Association, the best remedy against the high cost of dentistry is prevention.

Discount dental plans are unique because they provide immediate access to affordable dental care (for just a nominal monthly rate) to anyone who needs it. Perhaps your company doesn’t offer dental insurance or maybe you’re looking for a valuable voluntary benefit to offer your part-timers.

For many clients in the nonprofit sector, Universal Benefit Plans offers free employee membership to Universal Dental Plan. With this membership, our clients’ employees (whether they’re benefits eligible or not) get immediate, guaranteed 20-50% discounted rates on all dental procedures—from cleanings to crowns, even cosmetic work.  Even better, there is a published rate sheet for dental procedures that all participating dentists charge,  so you know the cost before you go to your dentist.

They also have:

  • No Claim forms
  • No Deductibles
  • No Annual Maximums (or limits on the number of procedures they can have each year)
  • No waiting periods for anything

 If you’re looking for a new way to show your employees how much you value them and help them keep a bright healthy smile for years to come, give us a call at (617) 859-1777 and see if you qualify. Or you can visit the Universal Dental Plan website at www.universaldentalplan.com.

 

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