Why Get a Dental Discount Plan?
Getting dental work done can become costly, even for a routine teeth cleaning and a checkup. Having a dental discount plan can save from 10 to 50 percent per visit, and a dental plan can cover all aspects of dentistry, including teeth cleaning, root canals, crowns, orthodontia, extractions and dentures. Some plans include extra coverage such as discounts on vision and prescriptions. Dental discount plans like AARP Dental Insurance, Cigna Plus Savings and Vital Savings by Aetna Discount Dental can offer a great alternative to dental insurance, and they can save you plenty of cash if you're currently paying all your costs out of pocket.
Dental Discount Plans: What to Look For
Finding the right dental discount plan for yourself or your family includes more than price and the amount of discount you receive. Other important considerations include how many service providers are available for the plan and whether you can get emergency dental care covered out of town. For those with children, orthodontia coverage is a consideration, while older individuals may want coverage for crowns, bridges or dentures.
Some dental discount plans require a referral for specialist treatments. In addition, not all discount plans are available in all areas of the country, and some have a yearly limit on the amount covered or have restrictions placed on coverage. Here are further considerations:
Number of Providers
It's important to select a plan that offers a selection of providers in your area. While not all dental plans advertise the number of providers carrying that plan, many of the plans are available nationwide and can have as many as 156,000 providers listed, so finding a dentist that suits you probably won't be difficult.
Services covered by a dental plan are far ranging, but most cover any type of dental work. If you have children that might require orthodontia, you should make sure your plan covers this. Older persons who might need dentures should ensure their plan covers both upper and lower dentures.
Extra Coverage Included in Plan
Although most dental plans cover only dental work, some include extra coverage at no additional cost. This might include discounts for vision such as checkups and discounts on eyeglasses, or prescription discounts. Other dental plans can include a free exam and X-rays.
Annual Limits and Restrictions
Most dental plans do not have limits on how many times you visit your dentist during the year, but you should check the plan carefully for limits on the number of visits you can make if you typically need a lot of dental work. Some plans may not offer coverage for certain parts of the country, so it's important to look at the plan details.
The right dental discount plan depends on your needs, location, coverage and availability of providers in your area. Whether you choose individual or family coverage, plans are out there to suit any preference.