Dentists recommend 2 cleanings, 2 check-ups and 1 set of x-rays per year. A healthy smile is the key to your overall health and well-being.
Looking for affordable Dental Insurance? Here's what you need to know before purchasing dental coverage. Premiums, deductibles, co-pays, waiting periods, PPOs and HMOs – choosing a dental insurance plan or savings plan is complicated. Holenstein Insurance Services can help you deciphering dental insurance jargon, and the details on what dental insurance does and doesn’t cover.
What are Dental Savings Plans? Dental savings plans offer an affordable alternative to traditional dental insurance. Members pay an annual fee to gain access to a network of dentists who offer reduced rates to plan members. You get the savings associated with insurance with none of the restrictions, annual caps or paperwork.
Choose from 30+ different plans from the healthcare brands you already know and trust like Cigna, Aetna and more. There are many affordable plans to fit any need and budget. And, depending on the plan you choose, you'll save 10% to 60% on your next visit.
Plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at a bigger savings than you ever imagined possible.
How Does Dental Insurance Work? Dental insurance plans are intended to reduce the cost of dental care. Dental insurance providers typically negotiate lower fees with in-network dentists, and also pay (“cover”) a percentage of the reduced fee. You pay the rest out of pocket. Here’s how the savings break down:
Preventive: Dental insurance plans typically covers 100% of the cost of preventive care, which includes annual checkups, bitewing x-rays, and routine cleanings.
Basic: Most insurance plans cover 80% of the cost of “basic,” uncomplicated services, such as fillings, simple extractions and some types of deep cleanings.
Major: Dental insurance typically covers 50% of treatments such as root canals, crowns, bridges and dentures – dental insurance typically covers 50%.
You also have to factor in waiting periods, copays, annual maximums, and the type of dental insurance plan you want.
The right solution for your dental health care costs may be a dental savings plan, traditional dental insurance or both. Our Team is happy to help you determine what best fits your needs.
Taking good care of your teeth means that you’re taking good care of yourself. Eating a balanced diet, staying hydrated, getting enough exercise and sleep and maintaining a positive outlook helps to keep you – and your teeth – strong. It’s a win-win situation: a healthy smile increases your odds of having a healthy body.
Brushing and flossing are essential for dental health. But even if you have elite skills with a toothbrush and are an absolute master of dental floss … you still need to see your dentist. On your own, you can’t remove the bacterial-laden plaque and tartar which causes gum infections, tooth decay, and – if untreated – tooth loss. Your dentist and dental hygienist will also be able to spot and correct tiny problems before they become big, expensive-to-fix major issues.
Dental Savings Plans – also known as dental discount plans – are the affordable alternative to traditional dental insurance. A nationwide network of dentists offer 10%-60% savings on preventive and restorative treatments to dental plan members.
Our Team is happy to help you determine what best fits your needs.