How much did you spend on dental insurance premiums last year? Did you use the same amount or more in benefits? If not, there’s an alternative that can save you a lot of money.
Dental Discount Plans – an Introduction
Consider the advantages of dental discount plans as an alternative . They are a fraction of the cost of most dental insurance plans and give you substantial discounts on most dental services. Also, they are easy to purchase and use.
A Money-Saving Example
A client of mine (in Utah) spent over $1,200 last year in dental premiums with his dental insurance company. He has a family of four. All four of them had two cleanings each last year and their little daughter had two cavities filled. All they paid for the cleanings was a small co payment each time they went in. They did have to pay $60 for each cavity they had filled. Their total out of pocket dental expenses for last year were around $1,400.
Had his family been on a dental discount plan last year, they would have paid around $250 for the annual discount card, around $60 for each filling for his daughter, and $100 for each person to have two cleanings per year. His dental costs for that year would have been$770, saving him $630 that year.
Who Dental Discount Plans Don’t Work Well For
These plans aren’t for everyone. If you or your family have multiple cavities and have major dental work done multiple time per year, you may be better off on a dental insurance plan. Dental discount plans typically provide a good financial solution for people the have average, little, or no dental work each year.
Less Worry, Less Hassle, More Money in Your Pocket
Once you purchase a dental discount plan, your discount card is sent to you. You then choose a dentist on the network (most of the networks are very comprehensive) and present the card at your dentist’s office. Dentists are usually happy to accept discount cards because they get paid by you on the spot and they don’t have to deal with making insurance claims and filling out paperwork. The whole transaction is completed once you leave their office.
For people who don’t have excessive dental work done each year, and want to stop spending their hard-earned money on dental insurance premiums, dental discount plans bring an appropriate solution to the table.
Find out more about the different plan options, and see how much you can save by visiting my discount plan website.
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