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Saving with Dental Insurance and Dental Discount Plans

September 14, 2021

Filed under: Uncategorized — grandnaperville @ 4:20 am
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When looking for a new dentist in Franklin Park, patients need to carefully consider their own financial situation. Some people may have a harder time paying for checkups and other necessary dental services than others, which is why finding a practice that offers flexibility in covering the cost of care is important. Ideally, the practice should take different types of dental insurance and offer its own dental discount plan to accommodate as many patients as possible.

Dental Insurance

Dental insurance offers a number of benefits that make preventive and restorative dental care more affordable. The insurance company will pay a certain percentage of the cost of these services. The amount of coverage offered varies from plan to plan; generally speaking, one can expect 100% coverage for preventive care and 50% to 80% coverage for restorative care, but this is not always the case. Furthermore, a practice that is in-network with a given insurance plan will be able to offer better savings than an out-of-network insurance plan. Patients that rely on dental insurance in Franklin Park should look for practices that accept a variety of PPOs. Most of the time, the staff at the practice will file the necessary insurance claims on the patient’s behalf in order to save time and simplify the process.

Dental Discount Plans

Dental discount plans can come under a variety of names, but they all have the same goal: to give uninsured patients a way to reduce the cost of their care. The exact details of the plan depends on the practice. Usually, it will cover at least one examination and cleaning each year along with other preventive services like fluoride treatments and any X-rays deemed necessary. Also, participating patients usually get a discount on all other dental treatments. Most of the time, discount plans are flexible enough to accommodate for a single person or an entire family.

Which is the Best Choice?

Dental insurance usually offers larger discounts on non-preventive services, but at the same time there are annual maximums that limit the benefits a patient can receive in a given year, and it may not cover certain treatments. In-house discount plans can include implants, cosmetic care, and other services that might not fall under dental insurance; however, they only apply to that specific practice, meaning patients could lose the benefits they paid for if they switch to another dentist before the plan runs out. If someone does not already have dental insurance, they will need to consider their circumstances carefully before deciding between getting insurance or signing up for a discount plan.

Before making an appointment, patients need to thoroughly explore their dental options. The staff at a dental practice is typically well-equipped to answer questions related to insurance as well as any discount plans or special offers that the practice runs.

About the Practice

At Grand Dental – Naperville, we accept many different insurance plans (including Aetna, Delta Dental Premier, United Healthcare, and other popular carriers), and we offer the Grand Advantage Plan for patients and families to enjoy dental care at a significantly reduced cost. We are proud to help our patients save time and money through our personalized, collaborative approach to dentistry. To schedule an appointment or ask an insurance question, visit our website or call (630) 904-1000.