Discount Dental Plans, An Alternative To Dental Insurance?

natural smile from a dental plan for sureRoot canals, filings, implants, and oral surgery: these are all dental procedures you may need some day. Of course, we all know that any type of medical situation inside your mouth is going to be expensive; and with more and more dental insurances not paying the whole bill; YOU are left to pay out of pocket money you just do not have. Worse yet – no dental insurance at all. That leaves you with a whopping bill to pay; and long waits of until you can pay out of pocket prices. What if there was a way you make your dental procedures more affordable? What if you could find an alternative to dental insurance in a discount dental plan? That is a possibility and you are going to learn how to get what you need for a price you can afford.

The Statistics

Although your bill may seem like just a random number; it really is not. Did you know that there is an average of what percentage of a bill that an insurance company will pay. General care and preventative care is almost always covered 100%, as it helps prevent more costly problems down the road. However, basic treatments are only 80% covered and more invasive and difficult procedures are only 50% covered. This means for things such as filings, and x-rays (basic treatments) you will be responsible for 20% of the bill and for larger procedures you will be responsible for 50% of the bill. Depending on the price of the procedure you have done, this could mean paying hundreds, if not thousands of dollars. And, depending on your insurance, you could be responsible for more! When thinking about finances it is very important to be knowledgeable and that should start with knowing exactly what your insurance does and does not cover.

What In The World Is a “Dental Discount Program?”

These programs are discount dental plans, not insurance and they can be available to those with and without insurance. At the most basic level; the program has a pool of money that they can give out to members of the program. Patients are encouraged to pay out of pocket what they can and then take from the money pool what they need to cover the rest of their dental bill. Those who happen to have extra money at some point are encouraged to pay their bill and then donate to the pool; in order to “pay back” what they have used in the past. These systems work great in many areas and they are fantastic programs for those who are uninsured or are looking to close the gap between what you pay versus what dental insurance pays.

Why Should I Go To Dental School?

You can save a lot of money if you go to a local dental school. No, you don’t have to attend; you just have to let them do your dental work. You are basically volunteering to be a “practice patient.” These students are qualified and know what they’re doing; they just simply aren’t ready to open their own practice yet. These schools give very steep discounts or sometimes don’t charge at all!

Of course, these are only two options available for those who can’t afford their high dental bills. Talk to your dentist to see what discounts they offer or call your insurance company to see if they know of any other services offered in your area. The point is, you don’t have to pay an arm and a leg for good dental work. There are options and sometimes it just takes a little looking to find an option that works for you and your family.

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