It you need restorative care for teeth that are fragile, failing or missing, dental insurance may not deliver the savings you were hoping for. Read the policy documentation carefully. Here are some of the terms to know:
The amount your dental insurance plan will pay annually toward your cost of care. Most insurance plans have an annual limit of $1,000-$1,500 – about the cost of a single root canal and crown.
Dental insurance rarely pays for in-progress work or dental problems present before you purchased insurance. (Sometimes, insurance does pay after an extended waiting period, typically three years).
If the policy has this exclusion, it will not pay to fix a tooth or teeth missing prior to purchasing the plan.
Your insurance coverage is restricted to the cheapest treatment, which is not necessarily the one your dentist recommends.
This is a permanent limit on coverage for a specific procedure, typically braces or dentures.
Dental savings plans , also known as dental discount plans or “fee for service” plans are an alternative to dental insurance. These plans are not insurance but can help you reduce your dental costs by 10-60%.
When you join a dental savings plan, you gain access to a network of dentists who have agreed to provide discounted rates to plan members. You pay the discounted rate directly to the dentist after receiving dental care.
It depends on your dental care needs:
If dental health is excellent, dental insurance may be all you need. You’re pre-paying for the preventive care essential to keep your teeth and gums healthy. Stay in-network, and after the waiting period you’ll save on your dental care.
If you have dental health issues that need immediate treatment, or will cost more than $1,000 to address, consider an alternative such as a dental savings plan. Dental savings plans have no annual spending limit, and your plan will activate within 72 hours of purchase, making them a great way to regain and then maintain your dental health.
Dental insurance plans may not cover the costs for some treatments, no matter how long you wait – such as replacing a tooth that you lost prior to purchasing the policy or dental work that is already in progress.
Most dental insurance plans do not cover “elective” procedures such as teeth whitening or overlays, they cover treatments that you need for dental health, not aesthetic reasons.
Typically, no. Dental implants are considered a cosmetic treatment, since there are less-expensive ways of restoring missing teeth.
Some plans do. But with an annual DPPO maximum coverage limit of $1,500, and braces costing $4,500-$7,000+, you’ll pay most of the cost of orthodontic treatment out-of-pocket.
Joining a dental savings plan offered on DentalPlans.com makes a good thing even better. We’ve helped keep over a million people healthy and smiling since we opened for business in 1998. Along with all the advantages of your plan, you also get friendly, professional customer care from our experienced U.S-based team. And your satisfaction is ensured with our 30-day money-back guarantee.