It’s hard to remember what life was like before dental discount plans. In fact, I’ve never known it any other way. I don’t have dental dental insurance and every time I needed a new dentist or checkup, I would scramble around trying to find one willing to see me on my dime.
It wasn’t always easy, but that was okay because it was just something I had to do for my own health. Now, after having a discount plan for 3 years, all of that has changed and it has definitely made my life easier …not to mention my teeth!
Finding a dentist who will see you without insurance can be difficult. But it doesn’t have to be that way – you can get affordable dental care usually for well under $100 a year.
Instead of going to the traditional route of buying insurance, why not choose a dental discount plan instead?
Hmm, that’s exactly what I did. And guess what, it felt great! A discount plan is an annual membership that allows you to avail of dental health service discounts through its nationwide network of participating dentists and clinics.
What Is Dental Insurance?
What is dental insurance? If you are wondering the same thing, then you are not alone. It can be difficult to understand all of the terminology and lingo related to dental plans, coverage and even just basic dental care. When you are looking into dental insurance, there are a number of things that you should be aware of.
Dental insurance is basically health insurance that covers the costs of dental procedures. You can also think of it as a type of plan that will help you to pay for your dental costs. However, it is important to note that while some plans will help with the payment for the actual procedures, others will only cover a certain percentage of those costs. In order to get a better idea of what this sort of insurance actually covers, think about another type of plan: health insurance.
Health insurance does not pay for every single medical procedure that a person needs, but these plans do cover many different types of costs associated with medical care. The same is true for dental plans. They will pay for some procedures, but not all of them. You may need to ask your dentist which type of dental plan they accept in order to figure out if this would be an option for you.
How Much Does Dental Insurance Cost?
Pros Of Dental Insurance
While dental insurance coverage varies, your expense when you go to the dentist will likely be considerably less. Usually, routine visits to and x-rays are covered at 100%, standard services such as extractions and fillings are covered at 80%, and significant oral work such as crowns and bridges are covered at around 50%.
If you need an unexpected and/or comprehensive treatment, your extra costs are restricted to any copay, deductible, and coinsurance your oral strategy requires.
It holds true that insurance can save you on high costs of corrective work, however, if you can not get oral insurance, you will conserve a substantial quantity of money with a Dental Savers Plan. For example, a $260 tooth extraction can go down to $100 with our Dental Savers Plan.
Cons Of Dental Insurance
The cost of the yearly premiums is generally considerably higher than the yearly cost for the Dental Saver Strategy. If you only require routine check outs and x-rays, you might be paying for coverage that you do not require. There is often a waiting period, such as one-year, before the insurance plan covers some major dental procedures.
What is a Dental Savings Plan
Dentists love this product. It is usually referred to as a Dental Savings Plan or (DSP) and there are many different varieties out there. The most common type of DSP is an insurance policy that will pay a certain amount towards dental work, say 50% off your bill after you reach $500. This means that if you have a $1000 bill from the dentist, the DSP would pay $500 and you would have to pay the other $500.
When you are in front of a dentist about to make a decision, he will show you how much money your dental plan will save you. For example, if you have a plan that pays 50% off your bill, and have $2000 worth of work, he will show you how much it costs without the plan ($1000) and with the plan ($500). So obviously the answer is to get the plan right?
Pros Of A Dental Savings Plan
A dental savings plan is a cost-effective way to take care of your dental health, and it can also help you save money in the long run. A dental savings plan is a flexible program that works with you to provide comprehensive dental coverage, including major and minor restorative services at a fraction of the cost.
Treatment will be provided by in-network dentists who agree to work with the savings plan. By paying directly to the dentist and having them bill the savings plan, members get more value for their money than they would if they paid out of pocket or through traditional insurance plans.
Additionally, many plans offer discounts on orthodontia, and some even offer vision coverage as well. These plans are becoming increasingly popular due to their affordability and flexibility, which makes them a great option for anyone looking for quality dental care at an affordable price. In most cases, dental savings plans do not require any type of long-term commitment or enrollment process, making it easy to sign up for one and begin enjoying the benefits immediately.
Cons of A Dental Savings Plan
The most considerable downside to an oral savings strategy is that you pay out-of-pocket for all of your dental procedures, although at a reduced cost. That suggests you must be able to afford the discounted rate at the time of service to be able to get the oral work you require to be completed. Although you get an affordable rate, this can make it difficult to get the services you need.
If you plan to go to numerous dentists or professionals, it might make good sense to choose a dental insurance coverage strategy that helps to take in some of the costs.
How Much Does A Discount Dental Plan Cost
This is one of the best Discount Dental Plans There Are. You can click the image below for a free quote.
How much does the average person spend on dental insurance?
Usually, Americans pay about $360 a year, or between $15 and $50 a month, for dental insurance coverage. Costs will differ depending upon your state.
Most strategies feature a maximum annual benefit or protection limit. This limitation usually falls in between $1,000 and $2,000. Unlike medical insurance, which covers costs after your costs reach the quantity of your deductible, oral insurance cuts off coverage after your expenses reach the yearly limitation. You pay any extra expenses expense.
Just 2% to 4% of Americans will exhaust their maximum advantage each year, so you may not exceed your protection limitation. It’s more likely if you require a procedure like a root canal or a crown.
The best dental insurance is the one that fits your budget and meets your needs. I hope you get dental insurance as soon as possible if you’re a student or have a family because–let’s face it–kids aren’t cheap. If they are anything like mine, their mouth is only one of their many ailments.
The best thing to do is to take care of them yourself with the help of dental insurance, because at the end of the day, your kids need to be healthy and there is nothing that makes a parent happier than their family being healthy and happy.