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Dental care can get expensive, especially if you have children who need braces or you need more expensive procedures such as dentures, crowns, or root canals. Whether you have dental insurance or not, the out of pocket expenses for these procedures can be extremely high, especially if you want services that most insurance policies do not cover, such as teeth whitening.
Dental care doesn’t have to break the bank, you can save money on dental insurance if you take advantage of the following tips to keep you smiling for less.
Discount Plans
If you do not have dental insurance through your work or cannot afford to pay the high monthly premiums, then you will need to find a discount dental plan that will enable you to receive routine care at an affordable price and to pay much less if a more expensive procedure becomes necessary at some point.
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Do not make the mistake of many others by assuming you cannot afford to see a dentist and letting your teeth go. You will end up spending a lot more money down the line, and it will all come out of your bank account if you are not signed up for a discount program.
There will be a yearly or monthly fee involved with a discount plan, but it will be much lower than paying for an insurance policy and it will guarantee you lower prices than you would pay if you were completely without coverage.
You will still have to pay for your work at the time of service just as if you didn’t have any coverage at all, but the dentist’s enrolled in the discount plan have already agreed to give you a much lower pricing scale than they normally charge. Most plans will give you between ten and sixty percent off everything from routine cleanings to dentures, root canals, and sometimes even teeth whitening services.
If you don’t have insurance and need serious work, sixty percent off could make the difference between not being able to pay for the procedure at all and successfully caring for your teeth. You can search these discount plans online, and most allow you to quickly register online and get the discounted prices within a matter of days.
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Just like people who have insurance are advised to stay with dentists who are in their network, you will have to use a dentist that is in the network of your discount plan, so make sure to check that there are some available in your area before committing to a plan.
If you do have dental insurance make sure you know the terms of your policy. Do not assume that everything you need will be covered, because in many cases it won’t be, and you’re likely to find out too late. If you foresee that there may be more extensive dental work coming in your future it may be a good idea to switch to a policy with a higher yearly maximum, or which covers a higher percentage of the procedures you think you’ll need done. This may cost a little more per month right now, but can save you a large lump sum of cash down the line.
There simply is no excuse to neglect your teeth, whether you have insurance or not. The reduced charge with a discount plan is actually much less than the co-pay most people pay for their more expensive insurance plans. If you have very healthy teeth and do not see any major work in the near future, it may even be in your benefit to sign up for one of these discount programs instead of regular insurance, at least for the time being.
Stay In-Network
Since there are so many different insurance plans out there, and now there are even more discount programs open to anyone, it is impossible for every dentist’s office to accept coverage from every plan out there. Your insurance company will be able to provide a listing of dentists who are in their network of care, and you should choose only from this list if you are concerned about out-of-pocket expenses.
Dentists outside of the network will cost a lot more to visit, both in terms of upfront co-pays as well as the percentage of more expenses bills that the insurance is willing to pay. Those that are in-network have agreed to certain prices for certain services with your insurance company. It is highly likely that an out of network provider will charge more than these rates, and you will be responsible to pay the difference. Therefore, you get the most from your insurance coverage if you stay with a dentist that is in their network of providers.
If you cannot find a dentist in your network that is reasonably close you will need to look into a new plan that is more common in your area. You can usually find complete listings of in-network providers on your insurance company’s website, or you can request one be sent to you through mail.
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