You understand that your oral health is important, and you want to keep a close eye on your budget. To both save money and make sure your smile gets the treatment it needs, you may be thinking about buying a dental insurance policy or a dental discount plan. Which one is better? This blog post explains some of the pros and cons of each option.
Dental Insurance
There are different types of dental insurance plans, and each one comes with its own unique set of details. It is important to take a close look at any policy that is available to you. If your insurance is a PPO plan, you might get to enjoy the following benefits:
- You can enjoy routine exams, cleanings, and other preventive services for nothing out of pocket.
- You may have to pay just 20 – 50% of the cost of restorative services, including fillings, bridges, crowns, and more.
- You can use your policy at any dental practice, regardless of whether they are in your insurance network.
Of course, it must be acknowledged that dental insurance also has a few drawbacks:
- There may be a waiting period before you can receive coverage for certain restorative services.
- Cosmetic treatments are usually not covered.
- You may have an annual maximum (a limit on how much your insurance company will pay out for approved services within a calendar year).
Dental Discount Plans
In exchange for a reasonable fee, a dental discount plan can provide you with reduced prices on your oral care services. Some appealing aspects of most discount plans include:
- There are no waiting periods, deductibles, or annual maximums.
- Preventive care is usually included at no extra cost.
- You may enjoy a discount on some services that are not usually covered by insurance.
- Often, discount plans cost less than traditional insurance.
The downsides of dental discount plans include:
- They can only be used at specific practices.
- You will likely pay more out of pocket for restorative services than you would if you used regular insurance.
Which Should You Choose?
There is no right or wrong answer when it comes to choosing between dental insurance and dental discount plans. Examine the details of all your options so you can settle on the one that best fits your needs, budget, and circumstances.
Meet the Practice
The All Dental Team proudly provides top-quality oral health services to our community. Whether you are looking to maintain your smile’s wellness, enhance your appearance, or address longstanding dental problems, we are ready to serve you. We accept many forms of insurance, and we participate in the Essential Dental discount plan. To learn more about our services and financial policies, contact our Westborough office at 508-217-7265.