What Dental Discount Plans Cover

In the last post we starting to get into talking about the dental discount plans and how they work. I took an example from and actual dental discount page and here is a partial list of some of the savings available under one of the many plans available:

Procedure Description Usual Fee 1 Discounted Fee
(for Plan Members) 2
Member Savings Savings Percentage
Routine 6 Month Check-Up $57 $14 $43 75%
In Depth Check-Up $99 $18 $81 82%
Full Mouth X-Rays $144 $45 $99 69%
Four Bitewing X-Rays $70 $23 $47 67%
Panoramic Film $122 $45 $77 63%
Adult Teeth Cleaning $102 $32 $70 69%
Child Teeth Cleaning $75 $27 $48 64%

 

As you can see, they have some pretty great discounts in the family plan. This plan is only $169.95 per year for a family and there is an initial $15 dollar processing fee to get you started. This plan covers spouse, dependent children and any permanent member of your household.  Another incentive they give you with the plan as I look at it now is they give an extra 3 months for signing up today. The really super part of this is it only takes (2) day for your coverage to be activated! This is why I like the idea of these types of dental discount plans, quick, easy and affordable.  I think that just about anyone can afford $14.17 a month for a family plan.  One last benefit I’ll mention to close is, if you don’t like this plan you can bailout after a year and switch to another one. Discount dental plans are a dental insurance alternative used by individuals and families to save money on dental care.

Dental Discount Plans

In the last post we talked about the word “insurance” and how we would continue to use this word because it’s a popular search term. Keep this in mind as we continue this series so there won’t be any confusion.  Dental Insurance Plans, once again,  in most cases is an indemnity plan offered by an insurance provider. Dental Discount Plans are the primary focus throughout this website. Dental Discount Plans are the most popular options for those who do not have a dental insurance plan though their employer. This could be because the company either doesn’t offer a plan or you’re only part-time worker. Although dental discount plans are readily available to just about everyone, many people still don’t have any dental care coverage at all.

If you happen to have some form of dental insurance plan already, you can supplement a dental discount plan along with it because it may offer some additional benefits you primary insurance doesn’t cover. Seeing the dental discount plan IS NOT an insurance plan, there is no conflict with the insurance company for using it as a supplement. One of the biggest differences between a dental insurance plan and a dental discount plan is the fact that there are no dollar-amount limitations on the discounts.  With a dental insurance plan, there is usually a maximum dollar limit per-year available and a minimum deductible and possibly a minimum waiting period that needs to be reached before coverage starts. Both have their pros and cons, but I just wanted to give you a couple of comparisons to help you understand the differences.

Dental “Insurance” – Clarified

As we move into exploring dental discount plans I’m going to continue to use the word “insurance.” The reason for this is relative to how the majority of people will search the internet using the word “insurance” in their primary search term for dental plans. I’m going to explain some of the differences between the two here so it’s clear. The purpose of this series is to educate and inform those who are seriously looking for a dental plan that will supply them the with services they need to keep their teeth and gums maintained.

Firstly, a “dental insurance plan” would be very similar to what may be provided by your employer. It could be a plan like Delta Dental or similar plan cover under Blue Cross or Harvard Pigrim for example. Some employers will pay all or just a portion of the plan and some don’t offer a plan at all unless a predetermined number of employees are interested in a dental insurance plan which is why it’s good to do a dental coverage comparison.

Whatever the case, this plan will usually cover cleanings every six months and x-rays annually. Some of the cost of fillings, root canals and other more detailed services may be covered,  but all plans will vary. A co-payment will usually follow any services performed beyond the cleanings and x-rays and there may be a minimum deductible amount that has to be met before the insurance coverage begins. This is just some of the basics in doing a good dental insurance comparisons, knowing what the differences are.

 

Dental Insurance Plans

Finding dental insurance plans is relatively simple if you know where to look. The internet is a powerful tool but sometimes there are too many choices available and that’s where you can get bogged down with tons of information. In this article, I’m going to address this and cut-to-the-chase so you can find dental insurance plans that will fit the needs you have as singles, couples and families. I’ve done all the digging and searching so you don’t have too!

The first step is to know what type of dental coverage you’re looking for. Is it going to be for checkups, which include cleanings and x-rays, semi-annually? Will it be to cover fillings perhaps? Maybe even a root canal, a crown or a cap?  These are some of the areas that I discuss in detail at www.cheapdentalinsurancereviews.com.

Although an actual “insurance plan” is the most expensive and covers the most of the costs, the primary focus on this website is on the more affordable dental discount plans that will have a reasonable monthly fee. We’ll refer to these as “dental insurance plans” for the sake of the search engines because more people will search on this keyword. We are trying to keep it simple to find what you’re looking for here.

Although dental insurance plans may be the last thing on your mind, it may be the first thing on you mind when you have a tooth that’s aching and you go to a dentist to find out what you out-of-pocket cost is going to be. It’s like car insurance, you feel like your pouring money out, until you have an accident. Then you’re pretty happy about that fact when your car will be fixed for a mere $1000 deductible charge. Don’t wait until something happens and be caught shacking out a pile of money! Find dental insurance plans today!

NOTE: The word “insurance” is used  throughout this website , but the primary focus revolves around dental discount plans and/or dental discount programs. The primary reason the word “insurance” is used is used simply because it’s the most common search term used.