Dental insurance vs dental discount card?
hi all! so, i need two root canal and two crowns, and as a poor full-time pre-med student i have no dental insurance. i looked into the option one dental discount card, which is 55 bucks per year and get you 25-30% off, supposedly. does anyone know if this is my best route? i know i would have a substantial deductible if i got dental insurance i could afford. any suggestions? thanks
Answers:
Hey, thieve at look at these affordable health plans. They come with discount pricing and strength insurance. Also has Dental benefit (discount and insurance) And these are NOT low quality doctors. http://completehealthbenefits.org and no long waiting spell (30 days).
Discount cards are not insurance - even though you're paying a premium, you're essentially paying what an insurance would earnings for a procedure. It's still not cheap. The medical office I worked for gave a standard 20% discount - which terminated up being cheaper than most discount cards.
My advice: send for your dentist and ask them what it could cost you to pay out of pocket and if there be any discount. Then figure out which way would be cheaper - their standard discount, or the discount card plus the premium. Source(s): I'm a medical biller
DENTAL INSURANCE IS TOO CHEAP
TO NEED DISCOUNT DENTAL CARDS
www.mybenefitsplus.com/40607828
They have dental coverage for cheep.
Covers even cosmetic.
You wouldn't own a large deductible if you got dental insurance, but you'd enjoy to wait 12-18 months for major services to see in which sounds like you can't linger for that.
The problem with some dental discount cards is you get a much lower caliber dentist. Meaning the dentists make no money if you come in for a cleaning so sometimes they need to find things wrong....also some will really constrain your ability to see them.
The BEST kind of dental discount is to acquire one that's used by group plans, etc.... Aetna is one of those plans and I think GE is as well. My clients also enjoy a lot of nice things to say almost Careington.
$55 sounds a little low in cost...most of them run $70-$110...so I'd check the make friends and the discounts. All discount plans will publish your costs when you go in for the different services.
You can use the serach engine on my site that looks at 30+ different discount plans and also allows you to flush for the dentists, etc....
Hope that helps,
Jeff
PS I'd shy away from Ameriplan as it's an "Amway" of dental benefits -- meaning most of your money go to pay the multi-levels of marketing instead of going towards the benefit. That's why it's expensive...and not sold by insurance agents...
PPS You'd never want a discount health plan since you could lose your house, but why would you want to payment $500/year for dental INSURANCE that provides $1,000 of benefit? Third guy's answer is a goof....I sell both and more and more we're moving to the discount plans because the cost difference in the plan exceeds the potential benefit within many...but not all...cases..
Related Questions:
Answers:
Hey, thieve at look at these affordable health plans. They come with discount pricing and strength insurance. Also has Dental benefit (discount and insurance) And these are NOT low quality doctors. http://completehealthbenefits.org and no long waiting spell (30 days).
Discount cards are not insurance - even though you're paying a premium, you're essentially paying what an insurance would earnings for a procedure. It's still not cheap. The medical office I worked for gave a standard 20% discount - which terminated up being cheaper than most discount cards.
My advice: send for your dentist and ask them what it could cost you to pay out of pocket and if there be any discount. Then figure out which way would be cheaper - their standard discount, or the discount card plus the premium. Source(s): I'm a medical biller
DENTAL INSURANCE IS TOO CHEAP
TO NEED DISCOUNT DENTAL CARDS
www.mybenefitsplus.com/40607828
They have dental coverage for cheep.
Covers even cosmetic.
You wouldn't own a large deductible if you got dental insurance, but you'd enjoy to wait 12-18 months for major services to see in which sounds like you can't linger for that.
The problem with some dental discount cards is you get a much lower caliber dentist. Meaning the dentists make no money if you come in for a cleaning so sometimes they need to find things wrong....also some will really constrain your ability to see them.
The BEST kind of dental discount is to acquire one that's used by group plans, etc.... Aetna is one of those plans and I think GE is as well. My clients also enjoy a lot of nice things to say almost Careington.
$55 sounds a little low in cost...most of them run $70-$110...so I'd check the make friends and the discounts. All discount plans will publish your costs when you go in for the different services.
You can use the serach engine on my site that looks at 30+ different discount plans and also allows you to flush for the dentists, etc....
Hope that helps,
Jeff
PS I'd shy away from Ameriplan as it's an "Amway" of dental benefits -- meaning most of your money go to pay the multi-levels of marketing instead of going towards the benefit. That's why it's expensive...and not sold by insurance agents...
PPS You'd never want a discount health plan since you could lose your house, but why would you want to payment $500/year for dental INSURANCE that provides $1,000 of benefit? Third guy's answer is a goof....I sell both and more and more we're moving to the discount plans because the cost difference in the plan exceeds the potential benefit within many...but not all...cases..
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