Have you ever wondered why dental insurance is so confusing and expensive? We wondered the exact same thing!
Your employer cares about you and wants you to have the best option for oral healthcare. You now have the opportunity to enroll in a dental membership plan rather than keeping traditional insurance. What is a dental membership plan? We’ll explain more below.
69% of people with dental insurance pay more in premiums than they receive in benefits. That means almost 7 out of 10 people would be better off without dental insurance!
What is a dental membership?
A dental membership is a program local dentists create to provide a baseline for everyone’s oral health. Most packages include cleanings, exams, x-rays, fluoride, and maybe discounts on additional services. These plans give you everything you need for routine care at an affordable cost. This may sound foreign, but dental offices have offered these plans to patients for decades.
Why would you want a dental membership?
Traditional insurance plans are filled with services you probably will not use. Seventy-five percent of dental work is either diagnostic or preventative. Yet, insurance plans pad protection for services most people don’t use. This is where memberships are different. Your doctor picks a set of services they would suggest to their own family. They offer these preventative services to you for one low monthly or annual price.
You pay for what you need. It’s that simple.
Do I lose anything by selecting a membership plan over insurance?
That’s a tough question to answer. There are a lot of variables when selecting insurance or a membership. Do you need a lot of restorative work in the near future? If so, you may be better off with insurance. Do you normally just get a cleaning with a little minor work here and there? Then you’re probably better off with a membership plan.
Insurance companies keep a large amount of what you pay as profit. With a membership plan, you’re sending your money directly to a dentist. Your plan is modeled around the dentist’s fees for their services. It’s a great way to get all the services you need for preventative oral health without an insurance company keeping 50% of your premium!