There’s ample evidence to support the mouth-and-body connection, which means your dental health is essential for your overall wellness. Brushing and flossing aren’t enough to keep your mouth healthy. The American Dental Association recommends a cleaning and checkup every 6 months. However, 48% of Americans have skipped dental visits or recommended procedures due to concerns about the cost. You have many options to keep dentistry affordable, like dental insurance and dental savings plans. Although both have their benefits, here are a couple of things you should know to choose the best plan for your situation.
Dental Insurance VS Dental Savings Plan
You can benefit from dental insurance by paying premiums for a policy. Preventive services are covered by 100% to stop common oral health issues from occurring, like tooth decay. Besides visiting your dentist twice a year, your insurance can pay 50% to 80% of the expenses for medically necessary treatments after meeting your deductible. You can use your annual allowance to lower the amount you pay out-of-pocket.
Dental saving plans are a great option for people who don’t have dental insurance. They are offered at certain dental offices to keep a healthy smile within everyone’s budget. After paying an annual membership fee, you’ll benefit from discounted rates for common dental services. All savings plans differ, but you can save 10% to 60% off dental services. You won’t have to worry about any waiting periods, which can occur with dental insurance.
What’s Covered?
Dental insurance covers preventive dentistry fully, like cleanings, checkups, and X-rays. Policies pay 50% to 80% of restorative procedures, like tooth extractions, fillings, and crowns. Elective services aren’t covered, like teeth whitening or veneers. Your restorative benefits kick in after meeting your deductible. Your benefits will expire at the end of the year. Your deductible and annual allowance will not carry over into the new year.
A dental savings plan covers preventive dentistry, restorative treatments, and specialty services. Depending on the savings plan, you can benefit from discounts on cosmetic dentistry. You don’t have to worry about annual limits because you can use your discounts all year. Paying your annual membership will allow you to benefit from affordable dental care without any interruption.
Whether you choose dental insurance or a savings plan, you can also keep dentistry within your budget with CareCredit. Based on your credit approval, you can benefit from little or no interest in financing. You can pay any out-of-pocket dental expenses using a monthly payment plan, so your financial situation never stands in the way of a healthy smile.
About Dr. Bradley Mitchell
Dr. Mitchell strives to change lives through dentistry. Since earning his dental degree from the University of Oklahoma College of Dentistry, he has regularly pursued additional training in various specialties, like cosmetic dentistry. He accepts many dental insurance plans and payment methods to keep his services affordable. Request an appointment through his website or call (405) 708-5672.
