It’s up to your dentist whether you can combine dental insurance with their dental discount plan.
Some dentists will let you use their dental discount plan to reduce your out-of-pocket dental care costs once you’ve reached the annual maximum on your dental insurance plan.
Is a dental discount plan worth it?
A dental discount plan may be worth considering if you don’t have dental insurance. These discount plans aren’t dental insurance. They are a type of membership, similar to a warehouse club, but rather than getting bargains on food or clothing, you get discounted prices on dental services.
Can you use Carefree Dental with insurance?
About Carefree Dental
if in the family plan you and anyone in your household may use the card. Does this program cover existing conditions? Yes. This is not insurance so there is no limitation to using the program.
How do deductibles work for dental insurance?
A deductible is the amount you must pay before your insurance carrier will begin paying for covered services. For example, if your deductible is $500, you are responsible for paying for the first $500 of treatment each year. After that point, your dental insurance will apply, up to the annual limit of the policy.
What is a maximum benefit for dental insurance?
An annual maximum is the maximum dollar amount a dental benefit plan will pay toward the cost of dental care within a specific period, usually a calendar year. If your plan’s annual maximum is $1,000, your carrier will pay its portion of your bill up to that amount for any covered dental services received in that year.
Is it better to have dental insurance or a discount plan?
Typically no waiting period. Dental insurance plans have an annual maximum that they will pay for coverage. Dental discount plans do not pay for coverage, so you do not have an annual maximum. You can bundle your dental insurance with a vision plan to save money.
Why do dentists not accept HMO?
Since HMO typically costs less – and subsequently dentist work at lower rates – many highly trusted dentists won’t accept HMO coverages(in many cases this is because their bank loan prohibits it) and you will be assigned to a dentist in which you have no control over.