STEVENS POINT — On Monday, May 20, council contributors accepted the construction of a Delta Dental headquarters to be constructed on Business Park Drive. An envisioned 25 million dollars might be positioned into the project to overall approximately 100,000 sq—toes of space for a brand new company headquarters facility. The developer could aim to finish production of the brand new facility within 24 months of beginning time with spring 2020 groundbreaking. As this lies in Tax Incremental Financing District nine, the city will offer an annual pay-as-you-move development incentive of 50 percent of the available tax increment for the last years of TIF nine. The final fee date for the TIF is projected to be sometime in 2034. Maintaining your oral health is essential to a healthy lifestyle. Most people want to commit to improving their oral health but have a hard time choosing between traditional dental insurance and a dental discount program.
Therefore it’s important to understand how the differences between dental insurance and dental discount programs can affect you. Dental insurance policies can be typically characterized by monthly premiums, deductibles, and annual maximums, while dental discount programs are designed to be as accessible as possible; they do not share any of the characteristics of dental insurance. The monthly premiums for typical dental insurance policies may be $50 a month for individuals and over $100 per month for family plans. As an alternative, dental discount programs are far less expensive. Dental discount programs start as low as $6.95 per month for individuals, $11.95 per month for couples, and $15.95 per month for families. Also, if you shop around, you can find dental discount plans that include free vision care.
Usually, people using dental insurance must meet a deductible before their dental insurance starts to cover their dental care; when making comparisons, it’s therefore important to consider the deductible cost as one of the overall costs associated with dental insurance. Annual deductibles typically vary from $50 to $100 per covered individual; it is difficult to put an actual cost on the deductible because it depends on the specific dental insurance policy. Dental discount programs do not have deductibles. Instead, dental discount program members pay a membership fee that qualifies them to pay discounted rates at participating dentists at the time services are rendered.
Most dental insurance plans cap the amount of reimbursement to an annual maximum that is typical $1,000 to $1,500 per year. The insured person is then responsible for any costs over and above the annual maximum. Dental discount programs do not have annual maximums. Program members can use their discount dental cards as often and as much as they want to. There is absolutely no limit to the number of money members can save by using their dental discount program. People with dental insurance policies often moan about the time-consuming red tape they are forced to face, including the need to provide written claims, exclusions on pre-existing conditions, and the excessive waiting periods for major procedures.
As an alternative, easy-to-use dental discount programs are designed to save members time as well as money! Nearly all dental insurance policies require policyholders to go through a tedious and very time-consuming written claims process every time they have a claim! There is no such tedious paperwork and hassles for dental discount cardholders; discount dental program members present their membership cards to a participating provider at the time of service to receive their discounts.
Dental insurance plans will often either refuse to cover certain procedures or impose a long waiting period.