When it comes to paying the cost of dental care, patients have options. You can choose dental insurance, something you can get as an individual or through your employer. Or you can have a dental discount plan. Here are the pros and cons.
Dental insurance: When you have dental insurance, you pay premiums and deductibles, based on your plan. Buyers’ choices depend on these factors:
- Access to particular providers.
- Price of premiums and deductibles.
- Types of services covered.
- Maximums paid.
Traditionally, fee-for-service plans give you more choice of dental services and providers, but you likely will pay more for these services. Under a preferred provider option (PPO), you will find it more cost-effective to use the providers within the network.
Dental Discount Plans: These plans are not insurance. Think of it more like buying membership into club where you get discounts for the procedures you need. Under this option:
- Patients pay the dentist when the service is performed.
- You will receive a designated discount off the dentist’s rates, depending on the plan and the services received.
- There are no deductibles, coinsurance, waiting periods, annual maximums and insurance claim forms.
When choosing either insurance or a discount plan, check to see if there’s a waiting period – the procedure you need now may not be covered for six months. We know people are more likely to go to the dentist if they have coverage. Consider your options and take care of your smile! For more information on Delta Dental Plans, click here.