There are plenty of financing options when it comes to your oral health. Whether you need basic preventative care or help paying for a more intensive procedure, you don’t want price to get in the way of achieving your ideal smile! Most practices accept various dental insurance plans so you can rest easy knowing you’re not going to break the bank. Many offices even offer their own discount plans, too, so those without insurance can get the care they need. If you’re wondering about the difference between insurance and discount plans, keep reading to find out!
How Does Dental Insurance Work?
Dental insurance is set up similarly to standard health insurance in that you’ll register and pay a monthly fee in exchange for benefits. Then, the insurance provider pays a portion of the charge for services. Each plan will differ, so it’s important that you understand what types of appointments and procedures it applies to. Often, dental insurance will fully pay for basic preventative care appointments like cleanings and checkups, so you can prioritize your health. Other optional treatments, like cosmetic dentistry, aren’t always included.
Insurance will typically cover 80-50% of the costs for restorative procedures and surgeries above basic care. However, you’re still responsible for the deductible (the amount you need to pay out of pocket before insurance kicks in) and copays (your portion of costs for a visit). Plans vary and will have different dollar values associated with deductibles and copays, so be sure you understand what’s included in your insurance.
How Do Dental Discount Plans Work?
Dental discount plans are offered by certain dentists for patients who don’t have insurance or who need extra help. These are set up like a membership program where you pay an annual fee (often between $100-$200) and often fully cover important preventive care. Discounts offered on various other dental work will often be less than the coverage provided by dental insurance, but will usually cover far more services, including orthodontic and cosmetic treatments offered at that practice. These are almost always specific to that dentist only and won’t apply at another office like dental insurance does.
If you don’t have dental insurance, contact your dentist and ask what programs they offer. If they have a discount plan, consider registering! Then, you’ll have the assistance you need to keep your smile happy and healthy for years to come without breaking the bank, even if you don’t have dental insurance.
About the Author
Dr. Stephen Tomaszewski earned his Bachelor of Science from Louisiana State University and his DDS from the LSU School of Dentistry. Following that, he joined the U.S. Navy Dental Corps and completed an Advanced Education in General Dentistry residency while stationed in Okinawa, Japan. Now he uses his extensive experience to help patients of all ages achieve long-lasting and life-changing dental services. If you’d like to ask about our payment plan options, feel free to contact the office on the website or by calling (985) 641-4444.
