What Is a Dental Discount Card?

Westend61/Brand X Pictures/Getty Images

Dental discount cards can help you save on your dental care. It often does not make sense to purchase dental insurance, because it often does not cover more than you pay out in premiums. It is important to carefully look at how much is covered and how much you have to pay. Dental discount cards do not have quite the same limitations as dental insurance, but they also do not provide the same type of coverage.

What Is a Dental Discount Card?

These cards are available to consumers and can help to reduce the cost of dental procedures. The cards work through a network of dentists that agree to reduce the cost of their services to cardholders. This sets the rate of service and can reduce the rate considerably. Some plans offer a percentage off of the amount the dentist usually charges while other plans set the fees for a specific amount of money. The cards charge a fee and will usually last for one year.

How Do I Choose the Best Dental Discount Card?

If you are considering a dental discount card, you should look carefully at several different plans. You should also look for a dentist that you trust who accepts the plan. It is important to make sure that the dentists are currently accepting new patients before you purchase a plan. This will protect you from purchasing a plan and then being unable to use it.

Once you have found a plan call the dentists on the list to be sure that they are accepting patients before you purchase it.

Next, you should consider the different costs of the services. Some plans will reduce the cost of cleanings but increase the cost of x-rays or repair work. If you know you need a lot of dental work done, then you should look at the overall cost of what you think needs to be done before you purchase the plan and consider which one will save you the most money after you have added up all the services you need done.

You should also consider the amount each plan costs as well as any other administrative costs that the plan may have. If a plan charges an enrollment fee of $50.00, it may not be the deal that you thought it was. Also compare the monthly cost versus paying an annual fee. Generally, the annual fee adds up to a lower payment amount.

How Do Use the Card Most Effectively?

If you choose a plan that will discount the fees by percentages, then you should also take the time to compare the prices of the dentists that you are going to. Some dentists will charge a lot more for work than others. It is your money and a few minutes making phone calls can make a big difference in how much you pay out of pocket. You should be proactive about shopping for the best deal on your dental care, just as you should for your medical care. This can help you save on your healthcare costs.

The nice thing about dental discount cards is that you can begin using them immediately. This means that you do not have a waiting period for major dental work, which you may have for some dental insurance programs. Additionally adding family members does not usually cost as much money. You should carefully weigh both dental insurance and dental discount cards before choosing the best option for you.

You should also include the cost of dental care in your monthly budget. This will make it easier to afford dental care when you need it.