Out of Work and Need to go to the Dentist?
You lost your job a few months ago, and with it went your health insurance and family dental plan. And today, that lingering hot and/or cold rush you’ve felt on one of your molars for weeks has turned into serious tooth pain.
Now, what was to be a cavity filling (around $100), has now turned into a root canal (with a $900 price tag!). Even worse, the dentist needs to top off that procedure with a crown (another $1,000).
It might not be much for tooth comfort right now, but stories like this are becoming more common. According to recent news articles,
“about 10 million Americans have lost their dental insurance in the past few years as the recession weakened the reach of employer plans.”
When the recession (officially) began in 2007 and the economy started to take hold of family finances, many people were forced to re-allocate funds to keep up with house payments, groceries and the bare necessities. Often left out of the adjusted budget were dental cleanings and routine checkups at the dentist.
In 2008, more than one-third of Americans opted to not see a dentist, according to a Kaiser Health Tracking Poll. It was the second-most popular way people tried to cut their health care costs.
By 2010, the U.S. Department of Labor estimated that nearly 8 million jobs were lost during the recession. Dentists even started to feel the pinch when their profit margins nationally bottomed out in 2007 and 2008.
As a result, job seekers and their families have been going through severe tooth pains with no dental insurance.
Will Work for Dental Care
A few of the money-saving dental care tricks some people have been checking out have taken them as far as Costa Rica for a “dental vacation” and cheaper costs, or joining a waiting list at a local university’s dental school for work done by students at a fraction of the cost.
Another way job seekers have been keeping up with their family’s teeth, while finding discounts without insurance, is through lesser-known discount dental plans to fit their planned or unplanned dental health needs. These low-cost alternatives to dental insurance have no annual limits, activate within three business days, and can save a job seeker 10 to 60 percent on their family’s dental care.
Finding a Dental Savings Plan
Media outlets like Forbes and the New York Times have reported on an online resource that helps people find dental savings plans in their area—DentalPlans.com. Visitors enter a ZIP code to search for the best dental plan or the nearest dentist in their area.
For instance, a search in Ohio could return the Careington Care 500 Series Plan, which offers 20 to 60 percent off six-month checkups, cleanings, root canals, and more, for all household members.
DentalPlans.com lists and compares 30+ plans and more than 100,000 participating dentists across America.
Available website plans in your area will be highlighted, with an option to view sample plan savings and discounts on common procedures. Each dental savings plan also comes with a fee schedule so you and your family can anticipate how much a certain procedure might cost and discuss with your dentist. Some plans even include discounts at orthodontists, pediatric dentists and oral surgeons, as well as savings programs for prescriptions and vision care.
Special Offer for HumanResources.com Readers
If your family is looking for an alternative to dental insurance, HumanResources.com readers can visit DentalPlans.com and use coupon code “HumanResources10″ for an additional 10% off a dental savings plan.
*NEW* For a limited time receive 3 extra months free!