Did you know that the average crown can cost anywhere from $1000 – 1500 but that the average individual dental policy only costs an average of $360 per year? Some argue that dental insurance is worthless because policyholders pay for dental insurance year after year, but only receive preventive care (like teeth cleanings) at the dentist. While preventive care can help reduce the chances of needing a major dental procedure, there’s no guarantee that you won’t need a bigger procedure at some point.
What to look for in dental insurance
Just like regular healthcare coverage, not all dental insurance plans are created equal. Take a look at some of the things you should look for when searching for the coverage that is right for you and your family:
- What type of dental plan is it? Is it a PPO (Preferred Provider Organization) plan that offers a dentist network for you to choose from, or an HMO or prepaid plan that requires you to choose one dentist or dental facility for all of your oral health needs? There are several different types of plans out there, so make sure you do your research to choose the one that best fits your needs.
- Are there limits to what it covers? Basic dental insurance should cover all the basic procedures that you may need – tooth extractions, fillings, teeth cleanings, and simple tooth repair. More comprehensive coverage may also cover surgeries, gum treatments and the more costly treatments. If you’re looking for something that covers other things like orthodontics or cosmetic dentistry procedures, those options are available, but are not as common. Also, it’s important to know if your plan has waiting periods for treatment you may require.
- What comes out of your pocket for this insurance? While dental insurance covers most of the procedures that you’d need from a dentist, you’ll still have to pay a deductible before insurance kicks in to pay the remainder of the bill. Look for an amount that makes you comfortable – higher insurance rates usually mean lower deductibles, while lower insurance rates mean higher deductibles. If you have good oral health, you may feel more comfortable with a lower monthly payment and a higher deductible for those bigger procedures that don’t come along as often.
The Elevate Wellness Plan
At Elevate Dental Wellness, we recognize that dental care isn’t always affordable. We’ve developed a unique, in-office dental plan in an effort to make dental care more affordable to our patients that don’t have traditional dental insurance. There’s no annual maximum benefits, waiting periods, deductible, claim forms, or dealing with insurance companies to get things taken care of. You simply pay for a full year of preventive dental care and you work directly with us, receiving a 15% discount on the majority of procedures we do!
So how does it work? You pay an annual fee for the plan that you’d like to enroll in. Once the fee is paid, you have a full year (365 days) from the date of enrollment to utilize the services included in the plan. After the plan has expired, you can choose to walk away, or re-enroll for another year.
All three plans that are available offer a suite of preventive dental care services and procedures to help you maintain good oral health. Check out all three plans, pricing, and terms and conditions for the Elevate Wellness Plan on our website!
If you’d like to learn more about the types of insurance that we work with at Elevate Dental Wellness, or if you have any questions the Elevate Wellness Plan, let us know. You can get in touch with Drs. Steinbach and Van Gorden at 970-279-5647, or by visiting us online at elevatewillits.com!