These days, many people find themselves without dental insurance coverage because–let’s face it–it’s expensive. This is especially true for uninsured students, millennials, and even freelancers who don’t have employer insurance benefits.
At the same time, putting off needed dental work can be even worse–not only for your wallet, but for your overall health. Fortunately, there’s an option that can help you save on your dental care without the need for a full-fledged insurance plan: discount dental plans.
What is a Discount Dental Plan?
A discount dental plan is a viable alternative to insurance. Specifically, these plans allow you to simply pay a monthly or annual fee for a membership. From there, you’ll instantly receive access to discounts on various dental services from participating dentist offices. These discounts can total anywhere from 10% to 60%, which means you could have a $1,000 procedure done for just $400.
Still not sold? Let’s explore some of the main benefits of having a dental discount plan.
Simply put, you’ll save money. With discount dental plans costing as little as $10 per month, you can enjoy the financial peace of mind that comes with having a dental insurance plan–without the high cost. In addition to saving hundreds of dollars per month (compared to what you’d pay for a traditional insurance policy), you’ll also save on your dental procedures.
No Waiting Periods
Many dental insurance policies these days require a “waiting period” after your enrollment; during this waiting period, you cannot utilize your insurance benefits and must pay out-of-pocket. This isn’t the case with a dental discount plan. As soon as you purchase your plan, you can begin using it at participating dentists to save money.
No Insurance Paperwork
Another benefit of having a dental discount plan is that you won’t ever have to deal with complicated insurance forms ever again; since there’s no insurance company involved and no reimbursement, you can save yourself the hassle of filling out these tedious forms. Furthermore, you’ll never have to deal with being put on hold by your insurance company while trying to reach an agent to dispute a claim.
Elective Services Coverage
Many dental discount plans these days also include coverage for elective services, such as cosmetic dentistry (teeth whitening, veneers, contouring, etc.). This is a huge benefit for those wanting to improve the appearance of their smile without having to pay full-price. Traditional dental insurance, on the other hand, typically doesn’t include coverage for these elective services at all.
Finally, if you’re worried that you won’t be able to find a dentist in your area that accepts your dental discount plan, relax. An increasing number of dentist’s offices these days have begun to accept these plans, especially as fewer and fewer hard-working Americans are able to afford their own dental insurance.
Even if your current dentist doesn’t accept discount dental plans, you shouldn’t have a hard time finding a reputable dental clinic in your area that does; all it takes is a bit of research and a willingness to switch to a new dentist.
If you’ve been struggling to find a dental insurance policy that works with your needs and budget, now is a good time to consider a dental discount plan; your wallet and your teeth will thank you!