2021 is quickly approaching, which means that it’s time to make decisions having to do with your health, dental, and vision insurance coverage. If you didn’t already know, your dentist in Chesterton offers a stress-free in-house dental savings plan that may be able to save you even more money than dental insurance. To learn more about how this plan works and whether it’s a good choice for you going into the new year, read on!
What is a Dental Savings Plan & What Will It Cover?
Dental savings plans aren’t dental insurance policies. This is an important distinction to make, because instead of purchasing them through an insurance company, you’ll be purchasing a plan directly from your primary dentist. It’s a benefit program that requires an annual fee for enrollment. After you pay, you’ll be able to enjoy a variety of covered services and discounts on other treatments at the specific practice that you purchase the plan through.
Each time you visit your dentist’s office, you’ll let them know that you’re a member of their savings plan and they’ll apply any valid discounts or coverage to your bill. While the terms of the plan and the covered treatments can vary depending on the dental practice that you purchase it from, they typically include the following services:
- Two professional cleanings a year
- Two examinations a year
- Diagnostic imaging, including four bitewing films a year
- Two fluoride treatments a year
Many plans also include discounts on all other services that the practice offers, like teeth whitening, dental implants, etc.
What Are the Benefits of Choosing a Savings Plan Over Insurance?
Unlike with dental insurance, when you have a dental savings plan, everything is significantly less complicated. You won’t have to deal with navigating annual deductibles, maximums, filing claims, waiting periods, or having your coverage affected by pre-existing conditions. That way, all you need to worry about when you schedule your checkup and cleaning is bringing your dental savings plan card with you!
Is a Dental Savings Plan Right for You?
Purchasing an in-house savings plan through a dental practice may not always be the best option for everybody. However, if you’re in any of the following scenarios, it’s a good idea to look into getting one instead of possibly spending more on dental insurance:
- Your dental needs are minimal.
- You have extensive dental work and can benefit from the additional discount on other services.
- You’re between jobs or unemployed.
- You’re on Medicare and need dental coverage.
If you’re in any of these situations, call up your dentist to learn more about their in-house savings plans. That way, you can maintain a healthy smile while saving yourself from unnecessary expenses and the stress of finding a plan on the marketplace.
About the Author
Dr. Danny Hayes is an experienced and passionate dentist. He is proud to provide high-quality, affordable dental care to families in Chesterton and surrounding communities by offering an in-house dental savings plan. He focuses on keeping his patients’ smiles healthy by providing them with thorough, routine dental care. That way, they can enjoy a complete and beautiful set of teeth for their entire lives. For questions about the in-house dental savings plan or to schedule a consultation, visit Advanced Dental Concepts’ website or call 219-926-7595.