Differences between Dental Insurance and Dental Plans

Finding ways to save money on dental costs for the family or business can get confusing. This situation is fairly new because most families had access to dental insurance coverage through the employer of one or both parents. That is no longer the case in many work places these days. Some employers offer the opportunity for employees to purchase their own coverage at group rates, but that can also be expensive for families. Consider all options in order to get the most savings possible.

Dental Insurances

Insurance coverage is subject to several restrictions. Pre-approval is required for many procedures, and there are some procedures that are excluded from coverage altogether. In addition to monthly premiums, co-pays also come out of the pockets of policyholders. Some insurance coverage, for example, may pay eighty percent of the cost of x-rays, but only fifty percent of the cost of a crown.

Dentures and bridges are typically excluded completely. Take a minute to add up those costs. The monthly premium for the insurance policy, plus the cost of dentures, plus the cost of the visits to mold and fit them. What benefit if the policy in a case such as this?

Dental Plans

Plans are not like insurance coverage at all. These can be customized to suit the needs and budgets of individuals, families, and businesses. Plans can be based on location, procedures, or the amount of savings desired. Plan costs vary depending on what components are selected.

Plans are paid in full on an annual basis which is how people become plan members. These are flexible membership plans that provide access to discounted dental services. As such, there are a few things to remember. Dentists visited have to be participants in the plan network. If they are not, there will be zero savings for any visits.

There are some areas that have no participating dentists. Network dentists agree to give ten to sixty percent discounts at the time of service. Members present their cards and get the discount. There is no paperwork to be filled out. The percentage of the discount will depend on the procedure completed, the dentist, and the conditions of the plan chosen. Find out more info here.