The Pros and Cons of a Dental Discount Plan
I have been reviewing dental insurance and dental discount plans online. A dental discount plan may work best for me as it is more affordable and has none of the limitations the dental insurance plans I reviewed had. What are some Pros and Cons of a dental discount plan?
Reply: Here are some Pros and Cons of buying and using a dental discount plan
Pros:
1. Cost savings: With a dental discount plan, you can potentially save a lot of money on dental procedures, especially if you need much work done.
2. No waiting period: Unlike dental insurance, most dental discount plans have no waiting period. Which means you can start using the plan immediately after signing up.
3. No annual limits: Some dental insurance plans have yearly limits on how much they will pay for specific procedures. With a dental discount plan, there are usually no annual limits.
4. No paperwork: Unlike dental insurance, you don’t have to file any claims with a dental discount plan. You show your membership card at the time of your appointment, and the discount is applied automatically.
Cons:
1. Limited options: Dental discount plans usually only work with a limited network of dentists, so your choices may be limited.
2. No coverage for major procedures: Some dental discount plans usually only cover basic procedures like cleanings, fillings, and extractions. If you need a more major procedure like a root canal or crown, you may still have to pay a significant amount out of pocket.
3. No guarantee of quality: Just because a dentist accepts a dental discount plan doesn’t mean they are a good dentist. You still need to research and ensure you are going to a qualified and reputable dentist.
4. Not a substitute for insurance: Dental discount plans are not a substitute for dental insurance. If you have a lot of dental work that needs to be done, you may still be better off with insurance.