Preventative dental care not only helps you avoid discomfort but save a considerable amount of money over the long run. After all, two dental checkups a year is a lot cheaper than root canal therapy or other intensive dental treatments. Of course, depending on your budget, even a regular dental visit can put a dent in your wallet. Fortunately, there is insurance and dental plans that can lower those costs.
Many people are in the position of choosing between dental insurance and a dental plan. Let us look at the differences and the pros and cons so that you can make the best decision for you.
Dental insurance works a lot like medical insurance. You may be fortunate enough to have an employer-sponsored policy, or you may purchase your own insurance. The extent of your coverage will determine your premium—which may be paid on a monthly, biannual, or annual basis. There is often a balance between your premium and your deductible and copays. You could, for instance, opt for a bigger premium in order to reduce out-of-pocket expense each time you visit your dentist.
The premium is a fixed cost. It does not matter if you never visit a dentist. You still pay for it. If you are healthy and only require two dental checkups a year, insurance can cost more than you would otherwise pay. On the other hand, if you require involved dental treatments, your policy may have limits and require you to pay hundreds or even thousands after it maxes out.
A dental plan differs from dental insurance in that you only pay for the services you use. The regular fees associated with those services are reduced, and there are no deductibles, copays, maximums, and waiting periods. When you choose the Dental Savings Plan (DSP) from Scottsdale Cosmetic Dentistry Excellence, for instance, you can begin taking advantage of it as soon as you pay—that same day even. This particular plan can cover not only you but a legal spouse and any dependent children under 23 years old.
Discount dental plans tend to charge less for services than what is required through employer-sponsored insurance. In addition, these plans tend to encompass most if not all services, including services that are often not covered by insurance. X-rays and fluoride treatments are examples of services for which insurance policies often charge extra. Dental plans can also help you save money on bridges, crowns, extractions, fillings, implants, laser treatments, and so forth.
Dental Insurance vs. Dental Plans
Dental plans are generally well worth it because the savings are greater than the cost. Whether or not insurance is worth it varies on a case-by-case basis. Consider that this not necessarily an either-or proposition. At Scottsdale Cosmetic Dentistry Excellence, your DSP can be used in conjunction with your existing insurance plan in order to reduce your deductibles, copays, and uncovered expenses.
Want a Perfect Smile at a Reduced Cost? Consider Our Dental Savings Plan!
The Scottsdale Cosmetic Dentistry Excellence Dental Savings Plan is a discount plan with an annual membership that provides immediate benefits. It is an alternative to insurance premiums or can be used alongside insurance. Our DSP has no maximums, deductibles, pre-authorizations, or coverage waiting times. Better yet, all of your preventative care is 100% covered in our office. That includes exams, X-rays, and cleanings, and the benefits extend to both restorative and cosmetic dental care as well.
Ask us about our dental savings plan and how it can make dental care more affordable for you and your entire family. Call us at 480 585 1853 to learn more and start saving!