More Americans than ever have private dental coverage, but not everyone. The U.S. Department of Health and Human Services estimates 108 million people in the country don’t have dental coverage. If you’re among those who don’t get insurance through your employer, you might believe there aren’t any other options, but you have more choices. You can benefit from a dental savings plan, but is it the right solution for you? Here’s what you need to know to make the best decision for your smile.
What is a Dental Savings Plan?
A dental savings plan can be referred to as many names, including in-house memberships and dental discount plans. No matter what you call it, a savings plan allows patients who don’t have dental insurance to benefit from the services they need without breaking the bank, like routine cleanings and checkups.
Instead of a monthly premium, you’ll pay a set annual membership fee to join the plan. After paying the fee, you’re given a savings card to enjoy reduced rates for the services your smile relies on to stay healthy.
What Services are Covered Under a Dental Savings Plan?
Every plan differs however, the discounts available are usually grouped into 3 categories:
- Prevention: Covers common preventive services, like cleanings, checkups, and X-rays.
- Basic Restorative: Reduced rates for simple restorative procedures, like fillings or extractions.
- Major Services: Discounted fees for major treatments, like braces or dental implants.
On average, you can expect to save 20% to 40% on covered services depending on the plan you choose.
What are the Benefits of a Dental Savings Plan?
If your employer doesn’t offer dental insurance or you don’t want the added monthly expense, a savings plan might be the right option for you. It allows you to advantage from reduced rates for the services your teeth and gums need to stay healthy. As a result, you can lower your long-term oral health expenses because every $1 spent on prevention can save you $50 on restorative care.
In addition to affordable dentistry, you won’t need to worry about any waiting period. You can get the care you need immediately after paying the membership fee. You also won’t need to deal with deductibles or co-payments. You can visit your dentist as often as you’d like without any unnecessary financial stress.
Enjoy Affordable Dental Care
Although a dental savings plan may not cover your oral health expenses 100%, neither will a monthly premium for a private insurance plan. You’ll have access to comprehensive care from a trusted dentist to invest in a healthy smile without draining your wallet.
Oyler Family Dentistry
Oyler Family Dentistry understands everyone has a different financial situation, which is why we strive to keep our services affordable. In addition to working with dental insurance companies, we also offer a Dental Wellness Savings Plan for individuals and families who don’t have traditional coverage. If you have any questions about our savings plan, or you’d like to sign up, contact our office today to speak with a member of our team.