How much can I save on cosmetic dentistry?
Visiting the dentist nowadays is becoming very expensive. In fact, it is estimated that the cost of seeing a dentist has shot up to more than triple over the last few decades. This has led to some patients skipping essential dental procedures including cleaning. Thankfully, there are other insurance alternatives that can help you and your loved ones to cut on costs and take care of your dental care needs without having to break the bank. It doesn’t make sense moneywise to pay your dentist more money than you have to receive cosmetic dentistry services.
Discount Dental Plans
There is a big difference between dental insurance and discount dental plans. Discount dental plans are dental insurance alternatives that are more affordable. They work more like warehouse club memberships whereby your membership will enable you to enjoy discounted dental services including cosmetic dentistry. You still have to pay for your dental procedures, but at a discounted price.
Unlike dental insurance policies, the discounted dental plans are available to everybody and not through their employer. This means that you can benefit from the numerous money-saving advantages available. This is especially a good alternative if your employer doesn’t offer a dental insurance option in your employee benefits plan or if you are unemployed, living between jobs, or self-employed and you don’t have access to affordable dental insurance.
How You can Save on Cosmetic Dentistry with a Discount Dental Plan
The discount rate will depend on the type of discount dental plan you choose, the treatments involved, and your location. However, the discount rate will range between 10% and 60%. You can be able to determine how much you can save on your cosmetic dental procedure by looking at the dental plan’s fee and compare with the current market price.
The Annual Spending Limit on Discount Dental Plans
This is the maximum annual cover that is provided by your dental insurance. Sometimes it is referred to as the “annual cap.” Dental insurance policies are often limited to cover costs between $1,000 and $2,000 annually. Although this may seem like a lot of money, a single root canal and crown will wipe out your dental insurance for the whole year. In case the dental costs exceed the limit, you have to pay for any dental care services you get for the remaining part of the year. However, dental savings plans don’t have any spending limit.