Regular trips to your dentist’s office can minimize your tooth repair costs. However, if you ever need tooth repair or removal or gum disease treatment, you’re better off investing in a plan to reduce your dental care costs. Here’s a look at ways to save money with a dental discount card vs. dental insurance.
A dental discount card is a dental care savings plan available to patients for a fairly low price. When you purchase the card, you access dentist’s services at lower rates than the card company negotiates for clients. These treatment costs are similar to the rates your insurer would negotiate with dentists. Although you pay for the full cost of dental care, the card lets you save between 10% and 60%. Such a dental care savings plan makes sense over time if you’re single and your insurance coverage maxes out at $1,000.
While dental discount cards are sold online, it’s a good idea to start by asking your dentist about any cards they’re currently accepting. Research your options extensively and select solutions that multiple dentists in your area accept. Remember to read previous customer reviews to select an ideal dental care savings plan.
Dental insurance policies have a relatively low coverage limit, often equal to the premiums paid each month. It may make sense to have such a plan to cover multiple family members, with the maximum limit applying to only an individual rather than all covered persons. Most insurers negotiate lower rates with dentists, enabling patients to save money on dental care.
You can obtain dental insurance by purchasing individual coverage or through an employer-sponsored plan. If you prefer to buy your own coverage, consider looking it up online and consulting an insurance agent about it. Also, check out health insurance websites for any stand-alone dental insurance packages offered.
Only thorough research of the various insurance policies and dental card options out there can help reveal the best deal possible. You may get maximum savings with a dental discount card if you find one that’s accepted by several dentists near where you live. Start by consulting your family dentist about any insurance plans and dental cards they accept for payments.
Neither dental discount card nor insurance pays for your full dental care costs. This is why you should budget for out-of-pocket expenses, such as by including those in your medical expenses savings or emergency funds. Similarly, ask your dentist if they have a dental emergency plan that you can fall back on when you need immediate care.
Explore these tips to reduce your dental care costs:
Whether you choose a dental discount card or dental insurance, you should evaluate all options for the coverage provided and potential savings. Contact the experts at Humble Insurance Group, Inc today for further guidance as you research your coverage options. Our team is ready to help you find the best deal possible on your dental plan.