Copyright 2005 The pain is all but unbearable at this point and you are going to have to see the dentist. But, they did it again, didn’t they? Your employer has once more resorted to changing carriers in your dental insurance and now you are stuck with less coverage, higher deductibles, and reduced benefits. Unfortunately, you have already exceeded the maximum allotment for your dental hygiene this year and you don’t even want to know how much it is going to cost you out-of-pocket to get that tooth taken care of properly, do you?

Maybe you are thinking that a dental plan is the last thing you need with all the other things flying at you every day in this fast-paced world. But nothing could be further from the truth! People clip coupons just to save a few pennies on a jar of peanut butter but a dental plan could save them hundreds of dollars over the course of a year! But how does a dental plan work? Isn’t it the same thing as dental insurance?

Any dental plan has a list of participating dentists that you can go to for services but unlike dental insurance where you are often limited to dentists in your zip code, you can see any participating dentist and receive the discountsanywhere! And while most dental insurance covers nearly all preventative procedures, they limit disbursements on many of the treatments that most of us in the “real world” really need like fillings, extractions, root canals, dentures, and even crowns!

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