Dental savings plans – sometimes called “dental discount plans” – are an affordable, flexible alternative to traditional dental insurance. Think of them as a buyer’s club for your teeth, you join the club and get member-only discounts. With a dental saving plan, you can expect savings of 10-60% on dental care. And,
How Does Dental Insurance Work?
Dental insurance plans are intended to reduce the cost of dental care. Providers typically negotiate lower fees with in-network dentists, and also pay ("cover") a percentage of the reduced fee. You pay the rest out of pocket. Here’s how the savings break down:
Preventive:Dental insurance plans typically cover 100% of the cost of preventive care, which includes annual checkups, bitewing x-rays, and routine cleanings.
Basic: Most insurance plans cover 80% of the cost of “basic,” uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.
Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures.
Simple, right? Yes, but you also have to factor in waiting periods, copays, annual maximums, and your oral health needs.