According to the Centers for Disease Control, about 40% to 45% of adult Americans don’t see a dentist in a given year. Cost is obviously a big reason why so many avoid the dentist. By one estimate nearly 68 million Americans have no dental coverage. That makes going to the dentist extra nerve-wracking, as you need to worry about the pain of a big out-of-pocket expense.
I want you to listen up. If you do not have dental insurance through work, I strongly recommend that you look into enrolling in a Dental Savings Plan. I want to be clear: I am not talking about buying a classic dental insurance policy but something entirely different, called a Dental Savings Plan.
The Shortcomings of Dental Insurance:
Dental Savings Plans: The Better Alternative
Dental Savings Plans aren’t insurance. Rather, they work like a membership you have to a warehouse retailer such as Costco. With a Dental Savings Plan, you pay an annual membership fee. The annual membership cost for an individual can be about $100 a year depending on the plan, and about $150 for a family. I want to be clear: those are indeed annual fees, not monthly!
Now here is what’s surprising. Most insurance companies that offer dental insurance also offer Dental Savings Plans. So there are many Dental Savings Plans to choose from. You just want to sign up for the one your dentist takes, and if your dentist doesn't take them, please just ask your dentist because he absolutely should.
If you then use a dentist in the plan, you will get discounted rates on certain procedures. The discounts range from 10% to more than 50%, depending on the specific plan and participating dentists.
What Makes Dental Savings Plans So Great:
You read that right. You can enroll in a Dental Savings Plan today, and within a few days your policy is activated. No long waiting period; just make an appointment with a participating dentist and you’ll qualify for discounted rates from the get-go, with no annual maximum. I am living proof. Once I found out about Dental Savings Plans, I went to the website www.DentalPlans.com, which has been offering these plans for over 15 years. There it was easy to check to see if my dentist accepted these plans. When his name came up with the plan he took, it was easy for me to sign up for that plan. The cost was about $120 a year. Just today I had to go and get some extensive work done. When I went to pay the bill and gave them my Dental Savings Plan card, the bill was reduced by $1400. I saved more than 30% of what I would have paid without a Dental Savings Plan. Bottom line: I saved $1400 with a plan that cost me $120 a year, and it's just the first month of the year. It has already paid for itself over 10 times.
Dental Savings Plan Shopping Tips:
Bottom line: Dental Savings Plans are something that you all should look into. Will they save you money? Absolutely! Especially if you currently don't have any coverage.
To learn more about Dental Savings Plans go to www.DentalPlans.com.