Most dentists recommend that their patients get cleanings and check-ups every six months, along with an annual X-ray. If you don’t have a dental plan to bring down the costs, the financial hit you take can be substantial.
You might even be inclined to just start skipping these appointments, but that’s a risk you shouldn’t take. A clear smile is necessary for self-confidence and even factors into professional success. A healthy mouth is also a gateway to a healthy body.
You have a lot of options when it comes to dental plans. You can either go through national associations and insurance providers, where you make monthly payments or pay an annual fee in exchange for discounted services available at hundreds or even thousands of dentists throughout your region.
You can also check with your personal dentist you have now, as many dentist offices are starting to offer their own plans. The options and locations might be considerably more limited, but the savings could actually be even more, since there are fewer administrative costs involved.
Most dental procedures are covered under a dental plan, and all the routine ones are always covered by any plan worthy of attention. Expect to save between 10 and 60 percent, depending on the procedure.
The real savings can come in if there is ever any need for dental work past normal cleanings, check-ups and X-rays. Dental plans can soften the blow of braces, root canals, fillings and the like.
A full insurance plan might have higher monetary coverages, but can be more expensive in premiums. Insurance is more for serious operations or emergencies too, and might not help as much as a dental savings plan will when it comes to routine and expected procedures.
So, when looking at options, do note which plans are savings plans and which ones are insurance plans. Both have advantages and disadvantages, but some kind of coverage is a good idea.
One advantage of dental savings plans over traditional insurance is that there are rarely caps, limits, claims or paperwork to process. Simplicity and time-saving are worth a lot in this day and age.
Some people only have to worry about themselves and keep their teeth in perfect shape, and maybe don’t need dental plans. Most people do need a helping hand though, and parents in particular can use all the help they can get with saving money while taking care of their kids, spouses and relatives. Dental plans are a good way to take some bite out of the cost of keeping a healthy smile.