Find A Dentist That Takes A Dental Discount Plan
|
GET In-Network Benefits!
|
SAVE Hundreds Per Year!
Root Canal Usual Fee $1,170*
Usual Discount Fee $667 Save 43%!** Crown Usual Fee $1,227*
Usual Discount Fee $645 Save 47%!** Exam + Cleaning Usual Fee $201*
Usual Discount Fee $105 Save 47%!** Simple White Filling Usual Fee $175*
Usual Discount Fee $102 Save 41%!** *National averages.
**Check with your dentist for their contracted fee schedule ***Usual prices for Cigna in 95405 |
Dental Discount Plans Make Sense
Single
$119.95 PER YEAR *** (That's just $9.99 per month on average) Family
$174.95 PER YEAR *** (That's just $14.58 per month on average) |
Get Pre-Negotiated Discounts With Dental Discount Plans
|
Have You Noticed...
... when you've gotten a bill from your doctor, that a good amount of the bill was reduced by your health insurance company? That's the discount pre-negotiated in advance on your behalf. It's the first benefit to having insurance!
But, there's a problem...
|
|
Insurance Is Too Expensive!
When it comes to health insurance, we all know how expensive it has become. Hopefully, you can get a subsidy or a generous employer credit to help out.
But, even dental and vision insurance is hardly worth it. Just add up the premiums, deductibles, and co-pays and compare to the total benefit, which many times is capped at $1,000 or less, and you will see only a thin return on investment.
|
|
Families Save Money With Dental Discount Plans
|
So, Just Buy The Discount
A more cost effective alternative is to buy access to the network through a discount plan. This approach helps keep your own dollars in your pocket, not giving them to the insurance company in case you need them back later. You get access to a large group of dentists and discounted pricing with no haggling or negotiating on your part. If you're a cash payer anyway, your dollars will stretch even further.
|
|
But, It May Not Be Right For You...
Not all dentists are willing to reduce their fees. They rely on their 'chair-side manner' to attract and keep their patients. So, if you have a favorite dentist that does not participate in a discount plan, and you would not leave them even if a dentist down the street was just as professional and had equal or better modern equipment ... but charged 40% less ... then this program is not for you.
|
Many Dentists Accept Dental Discount Plans
|
DentalPlans.com Offers Many Dental Discount Plans
|
How Much Can You Save?
But, if you think saving 15% to 50% off your dental bills Is worth looking into, then please click here to check pricing and to go to the DentalPlans website. You will get quick activation of your low cost plan! Two of the best discount dental plans are from Cigna (more info) and Aetna (more info), both nationally recognized names.
Here is some advice: First, find a plan you like, then find a dentist that takes it. Use the Search Dentist tab to find participating dentists in your area. |
|
Hey, What About Vision?
Vision insurance is much like dental. It only makes sense if someone else is paying the premium for you. So, if you are on your own, it's best to simply buy a discount plan. Consider a bundled discount plan that combines dental, vision and other services, including orthodontics.
Two excellent bundled discount plans are the CIGNAPlus Savings Powered By CIGNA Dental Network Access plan (more info) and the Aetna - Vital Savings by Aetna Dental and Prescription Discount Program (more info). They have very large dentist networks.
|
Get A Vision Discount Plan
|
Get A Drug Discount Plan
|
Prescription Drug Prices Are Crazy
There are however a number of ways you can fight back against high prescription drug prices. If you have health insurance, your plan will be discounting drugs that are on their formulary, or list of approved drugs. But their discount is not always the best. With an Rx Discount plan, you can save significant amounts of money with just a little shopping around. Click here for more info on how to save money on drugs.
|
|
Thanks For Stopping By My Page
Hi! I'm John Caris and I've been an insurance agent for over 19 years. Yep, an insurance agent is recommending not buying insurance. Go figure. Anyway, none of the products discussed on this page are insurance, so please check the links out for yourself and carefully read through the terms and conditions to make sure the plans are right for you and your family. By the way, I have the Cigna Dental and Vision plan for my family.
I can help with plan selection and pricing. Don't hesitate to email me or call: 707-935-6294 x103 It would be nice to hear from you! |
John Caris, Insurance Agent Who Recommends Discount Programs Instead Because They Make More Sense
|
Dental Discount Plans Save Money
|
Let's Do The Math
A typical check-up, bite wing x-ray, and cleaning will cost around $270. A typical discount plan will reduce this cost to around $140, saving you $130. Six months later, your second check up probably won't need the x-ray again, so you would save another $95 on just the cleaning and exam.
$225 total savings less the $120 cost of the plan is $105 savings for the year.
Your savings magnify if you go to the dentist more often since the plan cost does not increase, but you keep getting discounts. There is no limit to how often you can go.
Save hundreds on crowns and root canals. Typically costing $900 to $1,200, discounted prices are typically in the $600 to $900 range. (check plan pricing here) The problem with insurance is that you might be paying as much as $500 per year in premiums to get 'free' check ups and exams. If you need a crown or root canal, you will likely pay another 50% of the negotiated fee, or another $350, plus a possible deductible of $50 or more, in addition to being subjected to a waiting period of 6 to 12 months for major services. Typical plans are capped at $1,000 in annual benefit anyway. When you add up the premiums, co-pays, deductibles, benefit caps, and waiting periods, you find a very small upside to having insurance. Many people would have been better off to just pay the much smaller network access fee and pay cash with a discount plan.
|
|
What About Health Care Reform?
The Affordable Care Act mandates that pediatric dental be covered as an 'essential benefit'. This means that many health insurance plans will cover dental visits for persons age 18 and under. A dental discount plan is not a substitute for this coverage.
But, pediatric coverage has some problems that a discount plan may help:
|
Dental Discount Plans Work With Health Care Reform
|
Employees and Association Members Like Dental Discount Plans
|
Group Plans Get Special Pricing
Your organization or small business can offer these same great dental and vision discount plans for an even better price to qualified groups. Please contact me for pricing and options available in your area. Or click here for more info.
|
DON'T BUY INSURANCE
get
Dental, Vision, and Rx Discounts
Because It Makes More Sense
get
Dental, Vision, and Rx Discounts
Because It Makes More Sense