Basics of Dental and Multi-Benefit Savings Plans

DentalPlans.com Review – Find Discount Dental Insurance Alternatives

Like a traditional insurance policy, your savings plan comes with a membership card and unique ID that entitles you to preset discounts on services and procedures. To ensure that your plan is accepted, you should offer up your membership Dentalplans coupon when establishing a relationship with a provider. For billing purposes, you also need to show your card when you leave the office after a visit.

Unlike a regular insurance policy, your savings plan doesn’t come with a copay, coinsurance, or other expenses. You simply pay a discounted rate for the services you receive. You can’t use your savings plan in conjunction with any other insurance or savings plan, though you may use it to offset costs that exceed your dental insurance plan’s annual coverage cap.
Upfront Cost

For each dental savings plan, you pay an annual membership fee that ranges from about $80 to $180 for an individual and about $110 to $280 for a family. Fees for other savings plans, such as vision and chiropractic, range from $30 to $50 for individuals and $50 to $80 for families. Unless otherwise stated, all plans activate three calendar days after you purchase them. They automatically renew each year unless you choose the “Do Not Renew” setting on your account dashboard.
Savings on Services

For all plans, the fee entitles you to savings of 10% to 60% on the cost of an office visit or procedure – the exact discount depends on the specific Dentalplans coupons code 2018 and what you’re paying for. To arrive at the discount, the plan sets a maximum cost for each service, procedure, or prescription. For instance, a multi-benefit plan offered by Bonus Benefits caps the cost of an in-ear hearing aid at $670, compared to a nationwide average cost of $873. A dental-only savings plan offered by CVS Caremark caps the cost of a routine dental checkup at $24, compared to a nationwide average of $57.

Key Features

• Dental Plan Search Feature. Specifically for dental savings plans, :DentalPlans offers two different ways to search for a suitable product: by provider and by procedure. For providers, you can do a broad search that requires just your ZIP code, a particular type of dentist (such as orthodontist or periodontist), or the name of your preferred dentist, to see which (if any) plans are accepted. With the procedure search, you can select up to five services or procedures (such as braces, root canals, and gum treatments) and input your ZIP code to find plans in your area. The procedure search feature is particularly useful if you don’t have time to wade through the restrictions and fine print for each plan. There’s no search tool for non-dental plans because there just aren’t that many.
• Auto-pay. When you sign up for a savings plan, you need to provide a credit card. You’re automatically enrolled in auto-pay, which charges your plan’s fee to your stored card on your annual renewal date. You can opt out of auto-pay at any time.
• Live Customer Service Representatives. :DentalPlans  Coupons makes human employees available by phone and online chat between 8am and 9pm EST Monday through Friday, 9am to 6pm on Saturday, and 10am to 5pm on Sunday.
• Discounts and Sales. To sweeten the deal for new customers, :DentalPlans may also offer temporary discounts and sales. For instance, its Labor Day 2014 sale offered three months free and 10% off the remaining annual fee for any plan purchased over the weekend.
• Cancellation Policy.: Dentalplans coupons codes has a no-questions-asked cancellation policy for the first 30 days of your plan enrollment. To cancel, call into customer service with your member ID. Full refund of your annual membership fee – which you pay upfront – typically comes within 30 days after you make the call. If you want to cancel after 30 days, you can do so as well. However, to receive a prorated refund, you must meet certain criteria, such as being unable to find a participating provider within 25 miles of your home (50 miles in rural areas) or not receiving your plan’s promised savings from a provider that claims to participate.
• Services for Providers. :Dentalplans refer a friend coupon code definitely caters to patients, but the company does offer some perks to entice providers to accept its savings plans. For instance, it offers marketing support in the form of banner ads, landing pages, postcards, mailed brochures, and automated emails. It also sends a monthly newsletter with industry happenings and promotional tips. And, for a fee (which is not disclosed publicly), providers can advertise on :DentalPlans’ website.

Discount Dentalplans Coupon Save Your Money

Will A Dental Discount Dentalplans coupon Save You Money?

I have had the good fortune to experience a comprehensive dental insurance in my lifetime.  For a small monthly premium (usually $27 or less), my family and I could enjoy twice-a-year cleanings, annual x-rays, and routine repairs with little or no out-of-pocket expenses.  Now that I’ve jumped headfirst into the world of self-employment, my days of enjoying low-cost dental coverage are gone.  So I tried a dental “discount” plan for the first time ever.  Here’s what I have found Dentalplans coupon.

The cost of coverage varies.  I personally pay less than $80 a year to cover my entire family under the discount plan.  There are 6 of us, so this could be an excellent value in the long run.  I would like to point out, however, that most plans run between $90 and $200 a year for similar coverage (we enjoyed a deep discount as part of a self-employed association group membership, which I paid separately for.)

The type of coverage varies.  For most plans, your actual benefit comes in the form of a “discount” off each billable service.  This can come in the form of a percentage off your cost for each procedure, but most commonly equates to guaranteeing that you will pay “no more than $XX” for each particular billable service.  Unlike insurance, your dental bill isn’t sent to a payor to process, negotiate down, and return to you.  This means you will most likely know at the time of service how much your visit has been “discounted,” and payment will be due at time of service.  Cleanings, X-rays, fillings, caps, and most other common dental and orthodontic procedures are usually covered, if only at a small discount Dentalplans coupons.

Your dental health may determine the value of a plan.  Quite simply, if you are one of those fortunate folks who waltzes into your dentist for a twice-a-year-cleaning and one x-ray, with no additional services needed, this may not work out to your advantage.  The cost of premiums have to be less than the cost of services to keep you from bleeding cash.  If you don’t see yourself going to the dentist regularly (or won't be needing any work done), you might want to calculate if you’d be better off without the discount Dentalplans coupons codes plan.

Your location can affect savings.  The first time I used my plan, my husband and I both went in for a regular cleaning, x-rays, and fluoridation.  Upon presenting our discount, the receptionist informed us that we saved $10 on our $210 bill.  This seemed strange to me, so I asked her what their normal cost of doing business was.  It turns out, that since we are rural, and the cost to do business is low, they charge the same amount as the “discounted” price of our plan Dentalplans coupons code.  We would have paid almost the same amount, regardless of using a discount plan.  (And without the discount plan, I would have saved $80 in premiums.)  In larger cities, where dental prices are higher, the discount plan could have more of a positive affect on your bottom line.

You can utilize your HSA to save even more money.  Whether your dental plan was a good decision or not, you can still save some additional cash by using an Health Savings Account.  The small amount of saved tax money, coupled with the discounts, might make it a sweeter deal than just paying cash.  (My HSA gives me checks and a debit/credit card.  Be sure to ask your Dentalplans coupons code 2018 what kinds of payment they take, since you will most likely be paying at time of service.)

Will I get a dental discount plan next year?  Probably not.  Yes, I saved some money, but it was only because I ran into some unexpected fillings (7 to be exact.)  The savings of $20 per filling, coupled with the $10 saved on my initial cleaning, would save me a grand total of $150 this year.  Subtract the cost of my annual premium of $80, and I only saved a measly $70 (and this is with substantial work being done, which hopefully won’t be repeated next year.)

I would suggest looking at your dental discount plan from a strictly "bottom dollar savings" mentality.  Call your dentist of choice, and see what they already charge for the most common services.  Compare this cost with the cost you will incur under the savings dental plans refer a friend coupon code. If there is a minimal difference between the two, you will know that the “discount” isn’t much of a discount, after all!

But for those who could stand to benefit from a dental savings plan, DentalPlans is a great place to start looking for one that'll best fit your needs. The site allows users to search, compare, and select from more than 30 discount dental plans that offer savings of 10% to 60% off most Dentalplans coupon procedures. Just type in your ZIP code to search available plans, dentists in your area who participate, and the costs of the plans.