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discount dental plans
Monday, January 14th, 2019 10:25 pmDo any of you have experience using a discount dental plan (as opposed to dental insurance)?
From the ads I've looked at, they sound a bit too good to be true. It sounds like you get charged in-network insurance prices, without having actual insurance, for a yearly fee between $100 and $200 dollars. The ones I've looked at advertise "sample savings" of 20% or even 40 to 50%, even for things like orthodontics or implants which can cost thousands of dollars. Even 20% off of $3000 would be a net savings. You're limited to whichever dentists accept the plan, but insurance is the same way.
Examples:
https://www.aetnadentaloffers.com/plans/aetna-dental-access
https://www.dentalplans.com/how-it-works
Maybe fewer dentists accept these plans, than accept insurance? That Aetna plan only lists 2 orthodontists in my area, and both are at the same address. But a couple other plans I looked at had more dentists participating.
Maybe the sample savings is the best you can hope to get, and most dentists give a much smaller discount?
From the ads I've looked at, they sound a bit too good to be true. It sounds like you get charged in-network insurance prices, without having actual insurance, for a yearly fee between $100 and $200 dollars. The ones I've looked at advertise "sample savings" of 20% or even 40 to 50%, even for things like orthodontics or implants which can cost thousands of dollars. Even 20% off of $3000 would be a net savings. You're limited to whichever dentists accept the plan, but insurance is the same way.
Examples:
https://www.aetnadentaloffers.com/plans/aetna-dental-access
https://www.dentalplans.com/how-it-works
Maybe fewer dentists accept these plans, than accept insurance? That Aetna plan only lists 2 orthodontists in my area, and both are at the same address. But a couple other plans I looked at had more dentists participating.
Maybe the sample savings is the best you can hope to get, and most dentists give a much smaller discount?