YOU ASK:

What is UNI-CARE 200 discount dental plan?

WE ANSWER:

A UNI-CARE 200 discount dental plan is a plan that is not really an insurance plan, per se. Instead, it charges "membership fees" in order for you to get discounts from accredited dental providers. This means that if you enroll in a UNI-CARE 200 discount plan, you will save on dental bills. This means that you still have to pay for the treatments you get (unlike for insurance plans where covered treatments can be availed of by just paying the co-insurance, if this is applicable to your plan).

Some claim that this plan will enable patients to save as much as 50% of dental treatment costs. Thus, the plan can enable patients to visit the dentist more often and avail of more dental procedures in order to ensure their oral health.

Benefits of the UNI-CARE 200 Dental Plan

A UNI-CARE 200 dental plan poses several benefits:

  • No benefit limits. Since you are paying for the treatments on a discounted basis, you can avail of the treatments you need as long as you are able to pay for the discounted fees.
  • Orthodontics are part of the benefits. Orthodontics and other elective treatments are usually excluded from a standard dental insurance plan. However, for UNI-CARE, you can avail of the treatments you want. Yes, you can avail of orthodontics, as well as other cosmetic procedures. You must note, though, that there are also some cosmetic procedures that are excluded from the plan.
  • No age restrictions. The plan is open for all patients, no matter the age. This applies also to the members' dependents.
  • No complicated paperwork to take care of. You don't have to file any claims forms and you don't have to wait for the insurance company to give you a referral so that you can go to a specialist.
  • Additional benefits. The UNI-CARE plan will also provide discounts for eye care, hearing aids, medicine prescriptions, as well as chiropractic treatments.

This kind of plan has simplified the way people can avail of dental treatments. However, you will still have to consider whether you would prefer to pay for dental treatments at lower rates, or to pay for a premium and go for covered dental treatments and only expect to pay the deductible amount. It really depends on which type of plan you are more comfortable with.

Was this question and its answer useful?
Not a bit
  • Currently 3.5/5 Stars
  • 1
  • 2
  • 3
  • 4
  • 5
Very useful
Have a question about insurance? Ask the experts
Share: