Having dental insurance is ideal, but many dental insurances have limited coverage so you’re not missing out as much as you think. Confused? Read on!
If you don’t have dental insurance the best way to avoid expensive dental procedures is to take care of your teeth with good oral hygiene and regular cleanings and checkups. Yes, good solid dental advice, but if you don’t have insurance that can seem tough so we’ll show you some options to help you out.
First, if you don’t have dental insurance don’t worry too much. Dental insurance and medical insurance are quite different in many ways. While medical insurance pays for a large percentage of your medical expenses after you meet your deductible (say, 60-90%) dental insurance usually pays a smaller portion of the cost for the more expensive types of dental care (aka major services in insurance company jargon). Plus, dental insurance has annual maximums which mean the dental insurance company quits paying for dental care after a certain dollar amount is reached each year. So while you are missing out on a some help with the cost of your dentistry, it’s probably less than you think.
We wrote a couple of blog posts for dental insurance FAQ that goes into greater detail if you want to learn all about how dental insurance works. We tried not to make them too dry and technical, but we’ll let you be the judge of that.
If you’d rather skip the blog and cut to the chase here’s our best recommendations for people with no dental insurance. Using these three options we can get most people the dentistry they need within their budget without insurance.
- Boise Family Dental Care Discount Plan
- Staggered Treatment Options
- Financing and Payment Options
We offer a dental discount plan to our patients with no dental insurance to ensure they can maintain the health of their teeth and gums and also provide a discount for dental treatment if they need it.
1. Boise Family Dental Care Discount Plan vs. Typical Dental Insurance
|Boise Family Dental Care Discount Plan||Average Dental insurance|
|2 Exams a Year||Included; No Additional Cost||100% Coverage typical, but varies by insurance|
|Cleanings Twice a year||Included; No Additional Cost
($478 = regular price for cleanings, exams, and x-rays)
|100% Coverage typical, but varies by insurance|
|X-rays||Included; No Additional Cost||100% Coverage typical, but varies by insurance|
Root Canals; Scaling/Deep
|30% Discount until annual maximum of $2,000 met.||Typically 80% coverage until annual maximum met, but varies by insurance. No coverage after annual maximum met.|
|Major Services:||20% Discount until annual maximum of $2,000 met.
*dental implants excluded due to our already low regular price.
|Typically 50% until annual maximum met,
but varies by insurance. No coverage after annual maximum met.
|Annual Maximum Benefit||$2,000||Varies widely $500-$3,000 typical|
|Cost||$350.00 or $35/Month for First Person
$250.00 or $25/Month for Each Additional*automatic withdrawal will be done if monthly option is chosen
|Varies widely by insurance|
|Exclusions||Pre-existing treatment; Botox; Juvederm; Dental Implants; Whitening; Conscious Sedation Fee||Botox; Juvederm; Whitening;
procedures are typical
*Other exclusions vary by insurance
|Provisions||Services must be paid in full at time of service; Discount cannot be combined with insurance or other discounts or promotions; The program is non-transferable; Benefits are effective for one year from the date the plan is purchased; If Care Credit is used no discount will be applied. Waiting period may apply, call office for details.||Provisions vary by
2. Staggered Treatment Options
While it would be great to get you in and fix every single tooth and all your gum disease at once, we understand that might not be realistic for your wallet. We can work with you to create a plan that lets you stagger your dental procedures over months or years to gradually restore your oral health. The most important thing is to pick one or two problem areas and get started. The longer you wait the worse your teeth and gums will get…which could lead to more expensive procedures. Don’t delay!