Q:

Are discount dental plans and fee schedules really beneficial?

A:

Quick Answer

Some discount dental plans and fee schedules are helpful, but others are not, notes Policy Genius. The difference has to do with the amount of dental care a patient is likely to need and the quality of the plan itself. Discount dental plan quality varies widely.

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Full Answer

People who only plan to use dentists for basic checkups twice a year should generally choose a standard dental insurance policy as they won't be spending enough money at the dentist each year to make the hassle of finding a quality discount plan worthwhile. However, people who know that they have some expensive work to be done in a dentist's chair would do well to move to a quality discount plan, potentially saving hundreds of dollars, notes Policy Genius.

Quality also counts when it comes to discount dental plans. The cheapest dental discount plans typically provide inadequate coverage for the more expensive dental procedures, so those who sign up for a discount plan simply because of the low premiums are at risk of low-quality care, notes Policy Genius.

For senior citizens who live in or near major metropolitan areas, dental discount plans often make sense over an insurance plan. Insurance plans cover cleanings and exams while leaving clients to pay for the vast majority of other services themselves. Discount dental plans often have across-the-board cuts that end up saving a lot of money, notes Forbes.

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