A large percentage of Americans benefit from dental insurance to help them receive more affordable oral healthcare, but this isn’t always an option for everyone. Whether you are self-employed, between jobs, or your employer does not provide you with insurance, the good news is that there is another option to help you get the essential dental care you need without breaking the bank. Continue reading to learn whether a dental savings plan in Jacksonville is really worth it.
How Do Dental Savings Plans Work?
A dental savings plan is not health insurance. Instead, it is a benefit program that allows you to take advantage of different discount and savings opportunities when you pay for your essential dental care. You won’t be paying a premium like you would normally be with your dental and health insurance. As an alternative, you pay a membership fee. Each time you go into the dental office for care, you can show them your savings card as a way to receive a discount on certain dental care services that they provide. This doesn’t cover your treatment in full, and there may be limits, but it does help to lower the cost. There are no deductibles or copays. There are also no caps on the number of dental visits that you can have in a given year.
Who Should Consider a Dental Savings Plan?
For many patients, dental savings plans aren’t the right fit, but for others, they can be very helpful. Here are a few different reasons why you may want to consider one:
- You are between jobs: If you have recently become unemployed and no longer have dental insurance through your employer, a discount plan can be a great option to help you save on dental care until you are able to get an insurance plan in the future.
- You’re on Medicare: Medicare covers medical care, but it does not always cover your dental treatments. Having a dental discount plan can help you save on preventive, basic, and major dental services.
- You have minimal dental needs: If you don’t tend to have dental issues and your care doesn’t generally exceed regular checkups and cleanings, you may be able to save money in the long run by choosing a dental savings plan.
- You’re in need of extensive dental work: If you already have dental insurance but it doesn’t cover enough of your dental needs, you could choose a dental savings plan as well. Having both of these can help you save money and limit your out-of-pocket expenses.
If you have concerns regarding the cost of dental treatment without insurance, consider looking into a savings plan. You should be able to receive essential care without breaking the bank.
About the Author
Dr. James L. Schumacher is an experienced dentist who has been working in the field for over 40 years. He earned his dental doctorate from the University of Florida and is passionate about continuing education. He is a Scholar of the prestigious L.D. Pankey Institute and a member of several professional organizations, including the American Dental Association and Florida Dental Association. His practice offers a dental health savings program for patients who don’t have insurance. For more information or to schedule an appointment, visit his website or call (904) 388-3559.