So many people are used to having and using dental insurance that they have stopped looking around for less expensive, more effective ways to pay for their dental care…Here are some secrets that most people don’t know about using a dental discount card…
Many Dentists Actually Prefer Them Over Dental Insurance
After speaking with my kids dentist and my dentist, I realized they don’t really like dealing with the local dental insurance company that my family and I use. The company doesn’t pay them quickly, the benefit amounts are low, and the hassle of collecting benefits can be a hassle. Dentists in general like dental discount card programs because they get paid, by you, at the time of service. Yes, it’s a discounted rate, which is great for you. But, it’s also great for the dentist and their office, because they get paid right there. The office staff doesn’t have to hassle with paperwork, claims, and phone calls to get paid for the work they just did.
For People/Families With Healthy Teeth, Dental Discount Cards Can Save You a lot of Money, Overall
For instance, if you have a family of 5 (in the state of Utah for example), you may be paying around $100 per month for dental insurance. That’s $1,200 per year!
If all you do that year is get 2 cleanings per person, you may pay $500, plus the expense of the discount plan (Let’s estimate $150 per year). If there aren’t any minor or major problems, like cavities, or crowns, root canals, etc, you have saved just under $600 for the year. If you do need some minor or major services, you have $700 left over to pay for those services at discounted rates. At least with dental discount card programs you have the opportunity to save the $600. With the dental insurance in this example that family paid it whether their teeth needed work or not. They were committed to paying the $1,200 either way.
It’s a good idea to compare your current dental insurance plan to a dental discount card. Find out how much you spend in premiums in one year and think through how much dental work you or your family needs in a normal year. It may be one way you can lower your insurance costs and take advantage of discounted dental services.
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