Dental Savings Plans: How They Work & Costs
Being told by your Dentist that you can't get your dental health needs taken care of because you met your insurance plan maximum can be a total bummer.
But, what if I told you that not only can you bypass annual maximums, deductibles and waiting periods for your dental health, but you can get huge savings with these little-known secrets called dental savings plans.
In this post today I am going to go over the basics of what a dental savings plan will cover, the benefits of the plan, why you need one over dental insurance and how to sign up for dental plans online in less than 5 minutes.
What Are Dental Savings Plans
“In Plain English” - Dental savings plans are membership based products that give you significantly reduced pricing for your dental health care maintenance.
It really works like a Sams Club membership where you pay your annual fee, and you get reduced pricing from dentists that are part of the membership plan.
The best thing about dental discount plans or savings plans is that they cover you immediately, have no annual maximum and no paperwork.
The only downside to a dental savings plan is that you can’t choose your own dentist.
However, you do have over 100,000 dentists to choose from in the networks, so it should be effortless to find a dentist you like, or maybe even your current dentist is in the network.
Dental savings plans work for both the Dentist and the Customer.
The Dentist gets to have access to customers that need dental care, and customers get a discount for joining the network.
It’s a win-win situation.
What Are The Benefits Of A Dental Savings Plan
Dental savings plans are packed with benefits that include:
This list should make it pretty easy for you to see all of the benefits inside of a dental savings plan and why you should choose one over a dental insurance plan.
Some plans will even cover teeth alignment products like Candid Aligners if you prefer those over braces.
What Does A Dental Savings Plan Cover
It would be wrong to think that because these are "savings plans" that they won't cover you for all of the things needed for good dental health.
These plans over deliver on service and cover things such as:
The above list is only a sample of the things that are covered with your dental savings plan, but it also gives you an excellent idea of what basic things are covered.
Some plans like the Careington Dental Plan that we offer even include Hearing & Vision Coverage as well.
Dental Savings Plans vs Dental Insurance Plans
This is an age old battle; however, if you never stay around to see it to the end, we make very clear:
Who Should Buy A Dental Savings Plan
I think everyone needs a dental savings plan.
Even if you have coverage through an employer, it can sometimes fall short of the coverage that you need because of its annual maximums.
If you need immediate dental coverage for a procedure or are tired of paying hefty monthly fees for insurance that won't cover you immediately, then you need a dental savings plan.
If you have a large family, a dental savings plan can cover the whole family for one set annual fee, and everyone can share in the savings.
Best of all, there are no health restrictions, so no 2 year waiting period for a root canal or extraction.
How To Get A Dental Savings Plan
The best way to get a dental savings plan is online, there really is no better option.
You can read our detailed review about the company that we recommend that has the best benefits and one of the largest dental networks in the nation Careington Dental.
You can also click here or any of the buttons throughout to get the application process started.
There isn't any need to deal directly with an agent and you can look at the different plan options, find your dentist and be covered today all within 5 minutes or less.
I think you just have to get up, get covered and start taking your dental health seriously.
Thanks For Reading My Post... Before You Go!
What did you think of my post? Did I miss anything?
Sa El is the Co-Founder of Simply Insurance and a licensed Insurance Agent with over 11 years of experience in the industry. He specializes in Life & Health Insurance and is certified in Long Term Care Insurance in the state of Georgia. He is also an Official Member of the Forbes Finance Council, a licensed real estate agent in the state of Georgia (License #382602), an entrepreneur, insurance educator, and freelance writer.