Share or Cost: Are family dental plans worth buying? 

Monday, May. 27th 2024 10:00 AM

Question: I am self-employed and do not have dental insurance currently. Is buying a family dental plan worth it? I have two teeth that are starting to bother me, and I would like to see a dentist. My wife and son are okay, but I want them to get a dental checkup. The few dental discount plans I have reviewed do not seem to save you money when a crown can still cost up to $300–$400, which does not seem like a significant saving. I have also looked at a few dental insurance plans, but with their much higher waiting periods and costs, they do not seem like I would be saving anything by buying them. So, what should I be looking for to help me with my dental cost? 

Dental Plans: Braking Down Cost Savings

Answer: On average, crowns can run $500-$800 without insurance. Based on what you stated, the discount plans save you between $100-$400 on a crown based on your post. Dental discount plans run between $7.95 and $9.95 monthly for an individual. Savings are good when taking into account the cost of the plan. Call a few dentists for crown rates without insurance to compare if the savings are truly there for you. 

Depending on your state, we may have dental HMO insurance plans. Our HMO insurance plans do not have waiting periods for their dental services to be covered and will typically have lower costs for their covered services than the dental plans do. You may want to compare these plans as well. Due to the waiting periods, our Dental PPO and Indemnity plans may not be the best way for you to go. In this case, the waiting period for crowns can be up to a year or more.

You can contact our member service line at 310-534-3444, where our team of experts will help you understand each plan’s different options and benefits. They will guide you in selecting the best plan to provide your family with the necessary coverage at a price that fits your budget.

Posted on Monday, May. 27th 2024 10:00 AM | by Share of Cost | in Share of Cost | Comments Off on Share or Cost: Are family dental plans worth buying?