Last month, Shane, Johnny and I had a trip to the dentist. Johnny had x-rays and an exam and cleaning, Shane had an exam, cleaning and cavity repair, and I had the same (except I had more cavities to repair — some old fillings gave way and my mouth was playing a cruel joke on me).
We don’t have official dental insurance, and we don’t have a Flexible Spending Account. But, we have a dental discount plan and it seriously saved us a bundle. The plan is roughly $12/month for two people, or $15/3+ but there’s a 10% discount for paying annually in full. The plan entitles you to pre-negotiated discounted rates, so long as you use an in-network provider.
The plan we have is called Careington Care 500, but there are others out there.
The bill was adjusted to the Careington prices immediately.
I got an additional 3% discount by paying with a check instead of swiping my credit card, since they are charged that fee for accepting plastic.
Overall, I’m very happy with this plan and if you don’t have dental insurance (or if your monthly coverage is expensive and the plan isn’t all that great) a discount plan could be a great option for your family.
This one also has discounts for vision and prescription, but we haven’t used those.
Do you have dental insurance or a discount plan?