Communicated Content – Dental savings plans are at times also known as dental discount plans. They are very much affordable and alternative solutions to dental insurance and are offered to the subscribers at much lower costs directly by the dentists, orthodontists, and the other oral surgeons. Just like insurance, dental plans have a panel of expert dentists who have formed a network within themselves, which makes it easier to avail of their services at affordable costs. These plans can be availed both by the individuals and the families.
The best part about these dental plans is that they do not involve any deductibles or copays. Also, there is no maximum annual usage or saving barrier on the plan. These come with a flat discounted fee for the plan members on every dental service they undertake.
Another great thing about dental plans is that there are no wait times and you can directly access the service upon purchasing one. All you need to do is sign up on the platform, which takes a couple of days, and once done, you will immediately gain access to the discounted services. With a dental plan with you, you can save around 10-60% on the entire dental procedure. There are no limitations, restrictions, or caps on the number of usages, which makes these plans highly affordable.
What all is covered under a dental savings plan?
A dental savings plan will right away give you access to discounted preventive and restorative dental services. There are also specialist care solutions covered under it like endodontists, orthodontists, or prosthodontists. Multiple cosmetic procedures and prescription dental drugs are also covered under the plan. Only there are certain cases in which an individual needs to pay a bit more for their prescription coverage.
Here’s a list of some common dental treatments that are covered under the dental savings programs:
- Routine check-ups
- X-rays
- Oral cleaning
- Oral examination
- Pediatric dentistry
- Dental crowns
- Dental bridges
- Cavity fillings
- Braces
- Root canal treatments
- Tooth extractions
- Other endodontic therapies
- Dentures
- Veneers
- Gum grafts
- Bone grafts
- Dental implants
Who is going to get benefitted from the discount plans?
The plan will benefit the individuals who do not have health insurance or those who do not have dental coverage in their insurance. You and your family will be saving money on virtually every procedure, for which you would have paid a hefty amount otherwise. These plans are also applicable for people with Medicare or the ones whose medical plans cap their coverage.
Dental discount plans are a great alternative to traditional insurance plans that won’t cover more than $2000 a year. So, it is a good option for expensive procedures like root canals. All in all, you can resort to a dental savings plan if your dental insurance runs out.
If you are looking to save on cosmetic dental procedures, which are usually not covered under insurance, then in that case also these plans can save you a lot.
How dental plans are different from traditional insurance?
Even though dental savings plans somewhat resemble dental insurance, they are far more different from each other. Dental plans are like club memberships that offer member-only savings on joining where you just have to pay a small annual fee to get instant access to different dental services. The discounted fee is directly paid to the dental care provider and this doesn’t require any paperwork. You will get a discount every time you go for some dental service, which means there’s no limit to how much you save.
On the other hand, in the case of traditional insurance, you need to pay annual or monthly premiums to maintain the coverage amount. As a result of which, your insurance company will pay a portion of your dental costs. You will also have to pay the co-pays and deductibles too. The annual cap in most insurances will be around $1000-2000 a year depending on the provider you have chosen.
In short, both dental savings plans and dental insurance differ a lot in terms of procedures covered, annual limits, amount of paperwork and coverage cost.
How much a dental savings plan will cost you?
Since these plans involve a membership fee, you need to pay around $100-200 yearly, depending on the type of enrollment you have opted for. Accordingly, it will cover you for preventative, restorative, and specialist care under it. You can avail of discounts on cosmetic dentistry too. The discounts normally range between 10-60%. With no cap on annual discounts, you can use these plans as and when required.
Here, the dental insurance costs will be higher and the returns and coverage will be much lower. Hence, opting for the savings plan will ensure your value for money.
It’s time to find for yourself a suitable dental plan, which will cover all your dental needs under one roof. You can even search for a plan based on your preferred dentist and rest assured about the best treatment. Just search for the perfect savings plans online before finalizing anyone. That way you will get to know how much discount you will get on different procedures. If still, you are unsure about the plan, you can call an agent for in-depth details.
