If you have health insurance, you may or may not have dental insurance. And if you have either, you know that neither generally cover dental procedures like braces, dental implants, or bridges.
Check out dental discount plans. They are a great alternative to standard dental insurance and may save you a bundle on your dental care.
What is a Dental Discount Plan?
A dental discount plan is a membership like a warehouse club card. Once you sign up for a dental discount plan, you pay an upfront fee. When you visit your participating dentist or dental specialist, just present the card for a savings between 10% to 60%. You do need to pay the dentist upfront, but you may also pay far less.
Dental discount plans can be a bit cheaper than dental insurance. There is no annual maximum cap for dental work with a dental discount plan. Check out what your dental insurance (if you have it) and dental discount plan to see if you need both.
How Much Do Dental Discount Plans Cost?
Costs vary, depending on what they cover. Check out some examples below for an idea of costs and coverage. These are just a sample!
Aetna Vital Dental Savings
- Available: Nationwide
- Plans: Individual $139.95/year; family $189.95/year
- Average Discount: 15%-50% on most dental services including cleanings, X-rays, root canals, crowns, dentures, implants, and braces
- Additional savings: vision care
- Availability: Nationwide
- Plans: Individual $179.95/year; family $299.95/year
- Average discount: 15% to 50% on most dental procedures including dentures and orthodontics
- Availability: Nationwide
- Plans: Individual $179.95/year; family $209.95/year
- save 15 to 50% per visit* on everything from general dentistry and cleanings to root canals, crowns and orthodontia
- Additional savings: Telehealth, Medical Bill Save and 4 additional savings programs
Many dental discounts come with additional savings on other medical care.
Do I Need a Dental Discount Plan?
Dental discount plans may be very cost effective for several types of people.
- If you need very little dental work. You may be able to save quite a bit on your bi-annual checkups.
- If you need more dental work than your insurance covers. You pay for both insurance and discount, but it may be worth the cost.
- If you have health issues and no dental insurance. Certain diseases affect your teeth and dental issues can make certain diseases worse. A dental discount plan could really help keep you healthier.
- If you are on Medicare. Medicare doesn’t include dental. Take care of your teeth to keep you healthier overall with a dental discount plan.
Can I Use Both My Insurance and Dental Discount Plan?
It depends on your provider. Some providers may let you take the discount on your out-of-pocket expenses – it won’t hurt to ask! Make sure your dentist accepts your specific dental discount plan. Your provider must be an approved provider for your dental discount card to be honored.
A dental discount plan could be a lifesaver for you and your overall health. Start your internet search for a great dental discount plan and an approved provider. Your smile will be glad you did!