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Why A Dental Discount Plan Is Better Than An Insurance Plan


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There’s no doubt about it: taking care of your teeth may be one of the most expensive things that you have to do. Dental insurance is getting harder and harder to obtain as prices increase drastically. It’s so difficult that the National Association of Dental Plan found that over 74 million people in America don’t have dental insurance of any sort. This means that a majority of these people are either paying for their visit to the dentist out of their own pocket or that they’re just not visiting the dentist at all.

Funnily enough, the older you get the higher your dental costs could be. Foreseeing this high cost, even Medicare does not cover dental work or services. This will leave you without coverage for your teeth at a time you need it most.

Instead of paying the high costs for dental work yourself, consider purchasing a dental discount plan. These plans can help you significantly as they cover services that Medicare or dental insurance may not.

What is a Dental Discount Plan?

A great alternative to a traditional dental insurance plan, a dental discount plan ensures that people get the oral healthcare coverage they need at a price they can afford. This membership plan works something like a Costco membership; by becoming a member, you get to pay low prices for dental services. This can either replace you tradition dental insurance plan or be added as a supplemental coverage.

Though you do pay the entire cost of any service you receive, the cost is often significantly lower than it would be without the plan. This is because the prices are negotiated between the plan provider and the dentist, giving you access to dental care and the dentist access to a larger number of patients. In the end, both sides win.

What are some main differences between dental insurance and a dental discount plans?

- Well for one, the much lower cost. The price difference is often anywhere from 25% to 50% less than usual.

- There are no waiting periods with dental discount plans like there is with insurance.

- Most dental discount plans have no annual cap. You can’t say the same for most dental insurance.

- The fees for a dental discount plan are much lower than insurance. This makes it extremely affordable, as plans average between $100 to $200 a year while insurance coverage is upward of $350 per year.

- With dental insurance you have to meet an annual deductible before you start getting covered by the insurance company. With a discount plan, there is no deductible - only low, low rates which have already been negotiated with the service provider.

- Dental discount plans use something called a fixed fee schedule. You’ll know exactly how much any dental work is before you get it done and won’t be surprised by unexpected costs you’re forced to pay when it’s all said and done.

Should I get a Dental Discount Plan even if I have dental insurance?

In short, yes. Using a Dental Discount Plan as supplemental insurance will cover beyond the typical semi-annual check up and cavity filling that your insurance usually covers. The discount plan can cover expensive procedures such as root canals, braces, and more to fill in the gaps at lower prices.

One of the best aspects is that the dental discount plan is perfect if you’re in the market for cosmetic procedures such as dental bonding, dental implants, veneers, laser whitening, and other expensive treatments.

Don’t delay and let your teeth and gums suffer. Do your research and find the best dental discount plan for you to start saving money, and your teeth, today.

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Erika Bailey

Head Writer

Head Writer for Wavez for 3 years. Currently living in NYC as i'm a huge foodie and have a passion for broadway shows.