Why You Should Take Advantage of Dental Discount Plans
Patients often have a lot of questions about insurance coverage and the cost of dental work. The good news is that are more options available. Dental discount plans help make routine, emergency, restorative and cosmetic dental services more affordable. Not only do these programs provide a cost-effective solution, but they also eliminate waiting periods, deductibles and annual limits.
What is a Dental Discount Plan?
Insurance isn’t the only way to reduce your spending on scheduled and unexpected dental work. With a dental discount plan, members are charged an annual fee in exchange for reduced costs on dentist visits and procedures.
There are many different plans available, but the concept is the same. Members benefit from discounts at participating dental offices. Savings with dental discount plans is usually between 10 and 60% for regular dental procedures. Individuals and families can sign up for year-long plans which start at $100 to $150 on average.
How Does a Dental Discount Plan Work?
Instead of monthly insurance payments, patient members are charged for the discount plan up front, then pay dentists directly for products and services. With the benefit plan, they get discounts on those charges by using a special discount card.
In the end, patients are able to save on most types of dental services. This adds up to significantly more savings than the cost of membership.
What Are the Benefits of a Dental Discount Plan?
There are more advantages worth highlighting about dental savings plans. You can usually avoid deductibles, waiting periods and annual limits on the amount of dental care entirely.
Dental Discount Plans Are More Affordable
Health insurance plans that cover dental services are pricey, especially for individuals and families with good oral health. Without dental insurance, however, any problems that do come up can be very expensive to resolve. Dental discount plans are a great alternative. They are more affordable and eliminate the need for co-pays and deductibles, which usually charge patients 20–50% of the total.
Discounts Apply to Existing Conditions Right Away
Insurance coverage often imposes a waiting period, requiring patients to wait 6 to 18 months for benefits to apply. But you can take advantage of discount dental plans immediately. Even patients with pre-existing conditions benefit from savings as soon as they sign up. Usually, you won’t need to fill out claims forms either, which makes the whole process faster.
Dental Plans Don’t Set Annual Limits
Insurance coverage is subject to annual limits, but this isn’t the case for dental discount plans. Discount programs can be applied to all of the dental services that you require. With most plans, there are no limits as to the number of procedures that are covered in a year.
Cosmetic Dentistry Is Included
Most dental insurance policies don’t cover cosmetic treatments, such as veneers, porcelain crowns, or whitening, which are considered elective procedures. This means that patients are left to handle the entire expense of some of the most transformative dental work available for their smile. Dental discount plans don’t differentiate between routine hygiene appointments, restorative dentistry, emergency treatment or cosmetic solutions.
Are Dental Discounts Plans Better than Insurance?
Having insurance coverage for dental work can be reassuring. However, it may not be the most cost-effective solution for you and your family. Insurance companies set relatively low annual limits on the care for which patients receive benefits. This ensures that an individual’s savings doesn’t exceed their premium rates for that year. Insurance coverage often excludes preventive dental care and routine cleanings. Plus, the fine print may say that more critical procedures aren’t covered in some cases.
Dental discount plans try to eliminate hidden or unexpected gaps in coverage. Lower rates are generally available for all types of services offered by the dentists in that network. There’s no need to wait for a set number of months until you can take advantage of the plan. Discounts are applicable right away.
Especially for patients with good oral health and relatively few problems on the horizon, dental discount programs may be a smarter solution than traditional insurance.
Ask the Briglia Dental Group about Discount Plans
If you think a dental discount program may be right for you, contact us today. We can inform you about our own oral health savings plan and how this may benefit you with dental procedures at our office. Call today at (610) 692-4440.