When was the last time you saw the eye doctor or dentist? Not nearly as often as I should, if you’re like me. However, there are instances when you should visit a dentist or optometrist, whether for a basic examination or because of more serious symptoms.
The occasional visits to the dentist might be less expensive with the help of DentalPlans – take note of the astute smirk to the side. About 40 dental savings plan providers and a few more all-encompassing savings plans (sometimes called multi-benefit or simply “other” plans) are made available to you through this organization. Depending on the specifics of the plan, members may be eligible for reduced costs for things like checkups, medicines, and even surgical procedures like tonsillectomies.
Please be aware that these packages are not intended to replace dental insurance. Instead, DentalPlans provides members with savings on select procedures from partner providers (average savings vary from 10% to 60% off full cost). Depending on factors including region, services provided, and providers accepted into the network, the yearly membership cost for each plan might be significantly different from one another, from under $30 to almost $200.
Not only are these products not considered “qualified health plans” under the Affordable Care Act, but there is one more important distinction.
Keep in mind that your existing doctor might not take your new plan, so do some research to find a local clinic that does. While:DentalPlans does provide certain multi-benefit savings plan choices that cover dental, vision, and prescription drug costs in a single premium, the site primarily focuses on dental-only savings plans. As a result, it might be more challenging to locate an optometrist, audiologist, chiropractor, or pharmacy that accepts your insurance plan.
How Does It Work?
Individuals and families can look for and buy dental insurance and multi-benefit policies (which include treatments like vision, chiropractic, prescription drugs, and hearing). The availability of particular programs may range from one state to the next.
You make your purchase and payment through DentalPlans, but the plans themselves are managed by the companies that issued them. Companies like Aetna, Blue Cross Blue Shield, and Delta Dental are among the issuers taking part; others, including QualiDent, UniCare, and Amacore Dental, are less well-known. More than 100,000 dentists and a smaller, unidentified number of additional providers are said to be part of DentalPlans’ network.
The yearly membership price is due right away, which is a huge change from standard insurance policies. None of the items sold on:DentalPlans can be billed on a monthly basis like insurance premiums may.
The Fundamentals of Dental and Multi-Benefit Savings Plans
Your savings plan is similar to a standard insurance policy in that it provides you with a membership card and a unique identifier that allows you access to predetermined discounts on services and treatments. It is important to submit your membership ID when establishing a relationship with a provider to guarantee that your plan is recognized. When you leave the office following a visit, you’ll also need to display your card for billing purposes.
Your savings plan is not like traditional insurance in that it does not require you to pay anything out of yourself. To put it simply, you pay less money for the same level of service.
Your savings plan cannot be used in conjunction with any other savings or insurance plans, but it can be used to help pay for dental care expenditures that exceed your dental insurance’s yearly maximum.
Annual membership fees for dental savings plans typically cost between $80 and $180 for a person and $110 and $280 for a family. Other types of savings programs, such those for chiropractic and eye care, include fees of $30–$50 for individuals and $50–$80 for families.
Unless otherwise specified, your plan will begin functioning on the fourth day of the calendar month after your purchase. Unless you change your account settings to “Do Not Renew,” they will renew for another year every year.
Service Cost Savings
The charge for each plan grants you access to discounts ranging from 10% to 60% off the price of an office visit or treatment. The precise reduction is determined by the details of your plan and the service you’re purchasing. The maximum amount that the plan will pay for any given treatment, operation, or prescription is what the discount is based on.
The average price of a hearing aid in the United States is $873, but with a multi-benefit plan from Bonus Benefits, you may get one for as little as $670. CVS Caremark’s dentistry-only savings plan has a lower annual maximum for covered expenses of $24, whereas the national average for a dental checkup is $57.
- Ability to Look for Dental Insurance Plans. When looking for a dental savings plan, you may use either the provider search or the dental treatment search on DentalPlans. To find out which, if any, plans are accepted by local dentists, all you need is your ZIP code, the sort of dentist you’re looking for (like orthodontist or periodontist), or the name of your favourite dentist. You may use the procedure search to look for plans in your region by selecting up to five services or procedures (such braces, root canals, and gum treatments) and entering your ZIP code. If you don’t have time to read all of the limits and small print for each plan, the procedure search function is a great option. Since there aren’t a lot of non-dental plans, no search function is available for them.
- Auto-pay. A credit card number is required to open a savings account. Your credit card on file will be charged the annual renewal cost for your plan on the auto-pay enrollment renewal date. Whenever you’re ready, you may stop the automatic payments.
Representatives are accessible Monday through Friday from 8 a.m. to 9 p.m. EST, Saturday and Sunday from 9 a.m. to 5 p.m. EST, and all day Sunday.
- Reduced prices and sales. New clients can sometimes take advantage of limited-time deals and discounts from DentalPlans. For instance, on Labor Day in 2014, customers who signed up for a yearlong subscription received three more months at no cost and 10% off the remainder of the yearly rate.
- During the first 30 days of your plan registration, DentalPlans allows you to terminate without penalty. Simply call member services using your member ID and cancel over the phone. You can cancel your yearly subscription and receive a full refund of the payment you’ve already made within 30 days of making the initial contact. Also, if you change your mind after the first 30 days, you can cancel without penalty. You can get a partial refund if you don’t get the savings your plan promised or if you can’t find a participating provider within 25 miles of your house (50 miles in rural regions).
Support for Healthcare Suppliers. :
- Although DentalPlans’ primary focus is on consumers, the firm does give incentives for dentists to participate in its discount schemes. Banner advertisements, landing sites, postcards, mailed pamphlets, and automated emails are just some of the promotional tools available. Additionally, a monthly newsletter including news and advertising advice in the business is sent out. Companies can pay a fee to advertise on:DentalPlans’ website, the amount of which is kept confidential.
With DentalPlans, you may avoid the high cost of dental insurance while still having access to thousands of dentists and other service providers. However, keep in mind that these packages are not insurance.
You should compare the two products and give careful consideration to your healthcare requirements before making a final decision. Your oral health, and even your eye and ear health, are on the line.
With the help of DentalPlans, you may find dental and multi-benefit savings plans that can make it easier to cover the cost of necessary care. Benefits are not capped, and there is no longer a need to pay a monthly fee. It’s possible, though, that its policies won’t be as well-received as insurance. It’s possible, too, that you’ll need to do some digging of your own to determine how much money you’ll actually save with your preferred plan.