Before you buy dental insurance, read this!

Having insurance always seems like a good idea, especially when it comes to your health. No one likes to be stuck with a large bill for an unexpected emergency. Unfortunately, most dental insurance plans aren’t anything like the medical insurance plans we are accustomed to.

With health insurance, you pay your deductible, and then a significantly smaller portion of the remainder of the bill. Dental insurance coverage is the opposite. You receive a certain amount of coverage, and after that, you’re responsible to pay the balance of the bill.

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While dental insurance typically covers most preventive dental care (which costs about as much as your premiums) it may cover very little actual dental work, which is most likely the reason you bought the plan in the first place – for help with major, more expensive procedures. And did you know that the majority of caps on payouts for dental insurance haven’t changed since the 1970s? That means most consumers have to pay out of pocket, or wait until the following year, for procedures such as root canals or crowns, which cost more than twice what they did when Nixon was in office! Not to mention complicated exclusions, deductibles, and dealing with insurance call centers!

It’s hard to believe that companies are even calling what they are offering “insurance”. In essence, the majority of dental plans are really a form of prepayment, with narrowly defined benefits, where it’s difficult to recoup the cost of your premiums.

As a consumer, you do have an alternative to high priced and complicated dental insurance plans with little benefits and a poor return on your investment. You don’t have to gamble on how much dental care you might need, or delay necessary treatment due to plan restrictions.

edit-d70_1694-2At Boyles Dental, we are now offering Patient Savings Plans for adults and children. Our Patient Savings Plans offer a better alternative to dental insurance for the entire family. For a one time minimal annual enrollment fee, you can receive professional, comprehensive dental care, without the insurance hassle or cost! This means NO deductibles, NO waiting periods, and NO annual maximums. In addition, our plans are HSA and FSA friendly.

For about $29 per month, an Adult Patient Savings Plan with Boyles Dental covers 100% of routine preventive care, which includes adult cleanings, periodic doctor exams, a comprehensive exam for new patients, and x-rays. Members also receive 15% off ALL treatments and services, including fillings, crowns and bridges, implants, root canals, extractions, dentures, partials, cosmetic services, sedation, mouth guards, periodontal therapy, emergency exams, and more! Our Child Patient Savings Plan, for children ages 14 and under, costs approximately $20 per month and covers cleanings, exams, fluoride treatments, and x-rays at 100%, with 15% off all treatments and services as well.

Savings plan membership fees are paid in full once per year with membership running for 12 consecutive months. Please contact our office at 919-847-0150 for the full list of treatments and services included in the plan membership as well as pricing, terms and limitations. We are happy to sit down with any of our patients to  review how our plan compares to dental insurance to ensure you are making the right decision for yourself and your family.