Dental discount plans are becoming more and more popular among ordinary American families, people looking to save money and an increasing group of people in society today. As they become popular, a greater number of people know a bit about them. However, would it be equally accurate to say that people know a lot more about them? The answer is that it depends on the person and on how much they have deemed it necessary to think and learn about dental discount plans.
There are a lot of people, for example, who hear the word “discount” and assume from that that there is a poverty aspect to dental discount plans, and the cards are only for people who have no money at all so they can have the most basic level of dental care. Simplistic, perhaps, but this is genuinely what some people think – and it’s hugely inaccurate. The truth of the matter is that there is as much freedom of choice on a dental discount plan as there is without them.
If you are on a dental discount plan, it does not mean you will just have the most vanilla, straightforward treatment on the list. Indeed, when you first get the card you will be informed as to what you stand to save on a range of treatments, and these include cosmetic dentistry. So, far from the stripped-back idea of very simple treatment designed to stop you needing emergency surgery, you could actually have a range of treatments designed to brighten your smile – at a discount.
A discount dental plan can be the right decision for you, whatever you are hoping to get from your dental treatment. This is as true for you if your motivation is vanity as it would be for someone whose motivation painful toothache or bleeding gums. As much as there may be an assumption of austerity and poverty to the idea of dental discount plans, the reality is considerably different, and it is worth updating your ideas if you’ve been assuming they are just for the poor.
So, yes, dental discount plans are a real benefit for people on limited incomes, make no mistake about that. But whatever your income level, it is always handy to be able to make a saving – and dental discount plans represent the chance to make a saving on any kind of dental treatment, from the most basic to the pampering treatment that you thought had to cost an arm and a leg.
Paying out for a financial product in this day and age has become a quite fraught situation to face – we all know that there are advantages to having a plan, but it depends on it being the right one. And making sure that you have the right plan is always easier said than done. Whether it be a credit card, mortgage or insurance plan, or anything else besides, it’s always important to look out for the hitches in a financial product – because there’s every chance there are going to be some.
The more a company, bank, or lender insists that their product is perfect and works for everyone, the more you should exercise suspicion because the simple truth is that no product is perfect for everyone. And so when it comes to people’s criticisms of dental insurance and dental discount plans, it is essential to avoid being swayed by the noise. For dental discount plans, you will often have people point out that paying up front, and paying again when you have treatment, means you’re already paying a lot.
How true or otherwise this is seems hardly to be the point. The argument that often arises is that, unless you’re going for enough of a certain type of treatment, then you may well not even save any money by being on a dental discount plan. And it’s not much of a money-saving scheme if it’s actually costing you money, is it?
The truth of the matter is that, with an initial outlay and processing fee, you are already making some payment. And when you go to your dentist for treatment, you pay out a bit more again. That can seem like it’s starting to add up, without a doubt. There is a fairly basic formula at play here. If the amount you pay for your dental discount card plus the amount you pay out for treatment exceeds the amount that you would have paid for the same treatment without the plan, then you aren’t saving money.
However, even this limited argument against dental discount plans doesn’t hold a great deal of water if the alternative is paying for a standard dental insurance policy. In most cases, your monthly premiums will exceed what you’d be paying for a dental discount plan and, although you may well be entitled to all of your appointments being paid for in full, there’s every chance you’ll spend some time negotiating with the insurance company to even see a cent out of them.