Dental
Discount Plans - Cost Advantages
By Jared J.
Balis
The Difference
Dental discount plans have many advantages over dental insurance
coverage. The main advantage is, if you are your family have an occasional
need for dental service and get regular cleanings, dental discount plans
can save you a lot of money.
Discounts on Most Dental Services
The small amount you pay for you or your family each year goes to pay
for access to good discounts on many dental services. Some people choose
not to purchase dental insurance because the cost is too high, especially
if you don't use your plan. Discount programs are a good alternative to
going uninsured for your dental care. Because you have the discounts
available to you for services such as cleaning, cavities, and major dental
services, when you do go in for regular checkups, or unexpected dental
work, you stand to save quite a bit on the final bill.
Low Plan Cost
Dental Insurance Example: My family and I were on a local dental
insurance plan a while back that we paid $68.00 per month for. That's
$816.00 per year in premiums! We even had a cheap plan, compared to most.
We all four had two cleanings each, which would have cost us around $100
per person, or $400 total. Because I had insurance, it only cost us $80
for the cleanings. My son had to have a crown, which cost $300 because our
dental insurance didn't allow us to go to a pediatric dentist, but only a
general dentist. We chose to go to a pediatric dentist and pay out of
pocket. The bottom line is that I paid $816 + $80 + $300, which equaled
$1,196 in dental expenses for that year.
Discount Program Example: Had we been on a discount program that
year, I would have only spent $189 for the plan fee, $200 for the
cleanings, and $150 for the crown. That would have been $539 for the whole
year for dental expenses. Had my son not needed the crown, it would have
only cost us $389.
If you have teeth that need work on a constant basis, you might be
better off with insurance, but if you only go for cleanings and the
occasional filling or crown, a dental discount plan will likely put you or
your family money ahead each.
Find out how much a discount program would cost for you or your family
by comparing
plans for free.
Or, find out more about the programs by visiting my informative website
on dental
discount plans.
Article Source:
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