A Discount Dental Plan - Are the Savings Worth It?
It may not be the traditional dental insurance that you get with an HMO or PPO policy, but a discount dental plan can save you a ton of money. With this kind of dental coverage, you can get the treatment and services that you need - without breaking your budget.
But what exactly is a discount dental plan?
With this type of dental coverage, your monthly premiums are much lower than with traditional policies. You may choose to pay annually, quarterly, or monthly for our discount dental plans and, in exchange, you get a discount card that helps you save money on a variety of treatments and services. Your card may give you 50% off at your cleanings, or you might get 80% off on the cost of x-rays.
Depending on what kind of card you get, instead of getting percentage discounts, you might be entitled to special rates - like $100 for a dental checkup, instead of $200. That way, you will know exactly what your dental charges are going to be before you ever make an appointment!
But if you have to pay out a percentage of the costs, are you really saving money with a discount dental plan?
Sure, with traditional dental insurance, when you go to the dentist, you might only have to pay a copay - or pay nothing at all if you have already met your deductible. Under a discount dental plan, once you have paid the annual fee (which can be paid annually, quarterly, or monthly), you don't have to pay anything else to the insurance company. You will only spend money when you actually go to the dentist, regardless of whether you're using the coverage or not.
Like all other types of insurance for dental services, you will have to read the fine print carefully on these plans. And, you will also have to make sure that a discount dental plan is right for your particular situation. For example, if you need a lot of serious dental work done, you might be better off opting for traditional dental coverage. But, if your teeth are in relatively good shape - and you only need the occasional check-up - a good discount dental plan can save you a lot of money.
Buying insurance for dental purposes is never a whole lot of fun. But, once you understand all of the benefits that come along with a discount dental plan, you can save money - and that's something that's always fun!