Archive for the ‘Dental’ Category

Dental Insurance vs Dental Discount Plans

What is the difference between dental insurance and dental discount plans? In order to make a valid comparison, one must understand how dental services are structured. They are divided into three categories…preventative (ex. cleanings, x-rays); basic (ex. fillings, extractions); and major (ex. root canals, crowns). Dental insurance works as follows… Most dental insurance plans have deductibles (from $50-$250 per person) and waiting periods…basic services (6 months) and major services (12 months). After the deductible and waiting period are met, a percentage of the cost is paid by the insurance. An industry standard is 80% for basic services and 50% for major services. Finally, dental insurance coverage is normally capped at $1000 per person per year. If braces are a concern, most insurance plans do not cover this procedure. Average dental insurance premiums are between $25–$45 per person per month. Dental discount plans work as follows…Most plans have no deductibles or waiting periods. The discount plan can be used as early as the next day. Savings range from 25-60 percent. There is no cap on services and braces are normally included in plan coverage. Premiums start as low as $10 per month and family rates are even lower. Please give us a call and we will be happy to give you some quotes over the phone.