Dental Insurance Plus – Dental Discount, Need major dental work.
So, I last went to the dentist when I was on my parent’s dental insurance plan. I know I need some dental work, though I am not in any significant pain or anything; I know that my teeth are not in good shape. Should I get a dental insurance plan with its waiting period and yearly max and do my dental services a little at a time? Or go for a dental discount plan for dental savings and get my dental work done all at once. Which way, in the long run, would be cheaper?
Reply: It’s great that you’re thinking ahead and trying to weigh your options when it comes to dental insurance. Both dental insurance plans and dental discount plans have their unique benefits and drawbacks, so it depends on your individual situation and needs.
With a dental PPO insurance plan, you’ll typically have a waiting period before you can start using your benefits, and there may be an annual maximum on how much the plan will pay out for your dental services. However, you can spread your dental work over an extended period and pay smaller amounts for each visit.
On the other hand, with a dental discount plan, you’ll usually pay an annual fee to access discounted rates on dental services from participating providers. This is a good option if you need a lot of dental work done in a short amount of time, as you can save more money overall.
Ultimately, you’ll need to assess your dental needs and budget to determine the best option. I suggest speaking with a dental professional or insurance representative to understand better your options and how they would work for you. You can all our member services at 310-534-3444 m-f 8-4.
