Individual Dental Savings Plans

Many of these plans include discounts on hearing and vision services.

When asked about dental, my first question is “Are you willing to change dentists?” If the answer is “yes” or “maybe” the following should be considered.

The best value in dental is a Dental Savings Plan.

  • Limitation: Benefits are provided only within the network.
  • Benefit: No pre-existing condition limitations. More expensive plans often have waiting periods.
  • Benefit: No maximum. More expensive plans often have a $1000 or $2000/yr maximum
  • Benefit: You pay only the listed amounts for treatment. It’s easy to anticipate the cost for procedures.
  • Benefit: Premiums are considerably lower. Generally less than $200/year for a family.
  • Benefit: Discount plan can be utilized the day of activation.
  • Note: Dental Savings Plans are not insurance, but provide discounts on dental procedures

DentalPlans is a great site to compare these plans. It’s easy to use. Simply enter your ZIP code to see dentists in your area (perhaps even your current one!). When you’ve found a dentist, click on plans to see which of the plans they’re on.

Review plan benefit and cost grids. I would be most concerned about restoration and major items. Paying a couple of dollars more for a cleaning is probably worth saving real money on fillings, crowns & root canals.

*I’ve personally used one of these plans for years and am satisfied with it

By investing 20 minutes on this self-service website, you should be able to search and be enrolled.