If you have dental insurance you probably have to pay a portion of your dental work. The portion that you have to pay can sometimes be significant. This is especially true if you have a lot of work that needs to be done, such as crowns or root canals, etc. Your dental insurance probably covers 50-80% of your dental costs, but often there are limits on the amount that is covered each year (normally $1,000 or $1,200). When the maximum dental insurance benefit is exceeded for the year many people start to run into problems paying for dental work. That’s the bad news…The good news is that there is a way that you can get help paying for the excess dental costs. Here is what you can do…You can get a dental discount plan and use it with your dental insurance. You just have to make sure that your dentist accepts both your dental insurance and the dental discount plan (a large number of dentists accept the discount plans).
Purchasing a dental discount plan can help you in two significant ways:
1. Help you pay your co-pay/co-insurance (the percentage that insurance does not cover normally 20-50%). Just submit your dental discount card with your dental insurance card when you visit your dentist. The receptionist will be able to assist you in coordinating your insurance and discount plan to maximize your savings.
2. Give you discounts when you reach your yearly insurance limit. If and/or when you go over your annual maximum limit on your dental insurance plan, use your dental discount card to get discounts on the work you still need. You can save up to 50% on dental work with the dental discount plan after you exhaust your dental insurance coverage for the year.
Considering how much you can save using the discount dental plans, they are definitely worth buying, especially if you have a good amount of dental work that needs to be done. If you have great teeth and only go for cleanings, however, the insurance alone may be significant for you. Here are some of the main advantages to purchasing a plan:
Dental discount plans are:
Affordable. The average plan will cost an individual around $8.00-$10.00 per month (most plans do require that you pay for the year in advance). The plan can pay for itself almost immediately. For example if you have a crown that regularly costs $1,200 your plan may discount on average of $600. In this case the plan paid for itself 6 fold.
No limits. You can use the plan as much as you want during the year with no limits. If you have thousands of dollars of work that needs to be done, this can potentially save you thousands.
No pre-existing condition limitations. You won’t get denied a discount card just because you have a condition, in fact this is the best time to get a discount plan.
3 day waiting period (sometimes no waiting period). You can make an appointment right away. This is especially helpful if you have a tooth that is hurting!
The plans are offered by large insurance companies and there are many to choose from. Some of the plans come with vision discounts and chiropractor discounts.