Dental savings plans, whether advertised as a "program" or a "card," have membership fees so low that it gives many a consumer hesitation because their prices seem "too good to be true." For example, there is one discount dental program (Careington 500) that charges only $8.85 a month. But what would such a small amount of money really buy? Is it fair to assume low-cost means low-quality?
A dental savings plan is not insurance despite many people assuming it is. Instead, it is a fee-based membership program that allows enrollees to obtain dental services at discounted rates from a group of dentists who participate in the discount plan’s network. Over one hundred thousand dentists accept dental savings plan enrollees across the United States.
A dental savings plan typically offers discounted prices for the same dentist services covered by comprehensive dental insurance. These services include:
In this way, a dental savings plan distinguishes itself for lost-cost insurance where only preventive or preventive and basic dental care is covered. Additionally, dental savings plans do not have waiting periods that delay access to expensive dental procedures.
One of the lesser known advantages of a dental savings plan is that the program may include discounts on services often uncovered by traditional dental plans. Examples of such services include:
The savings on these services alone may justify the cost of the discount plan.
Price reductions for dental procedures vary by discount plan. Depending on the plan and the particular service, you may save 20 percent to 60 percent from a dentist’s retail prices. Dental costs are normally paid at the time of service unless the patient has worked our a payment arrangement with the dentist.
It should be noted that dental PPO plans, which is the most common form of dental coverage, often determine their out-of-pocket costs by charging an enrollees a percentage of the total cost of the service. For minor services like a filling, the percentage may be low such as 20 percent. For a major service such as a crown, the charge may be 50 percent of the service cost or higher.
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Aside from not being a form of insurance, discount programs have many differentiators from the majority of dental plans. For example, discount plans have:
With respect to waiting periods, it is interesting to note that access to discounted dental services may be available in as little as two days after enrollment within the discount plan.
These features make discount plans especially appealing to consumers requiring immediate major dental work or who expect to have many procedures during the course of a year.
Our agents can:
Dental savings plans have many names that refer to a similar value proposition. These names include:
What matters more than the name of the coverage are the:
Four percent of dental benefits are provided through dental savings plans, according to the American Student Dental Association (ASDA). Many industry watchers expect these discount plans to increase in popularity as product awareness increases, more dentists join these networks, and plan maximums on traditional dental insurance continue to resist growth.
Our knowledgeable customer service team will assist you with any questions you may have prior to enrolling in a dental plan. They can guide you through the process of choosing coverage that matches your needs as well as your budget.
