Have you ever been to the dentist, only to receive a surprise bill later because your dental insurance didn’t meet up to your expectations of what it would cover?
Most people think of dental insurance like a security blanket that will cover them in a big emergency. Most other forms of insurance work like that, right?
Unfortunately, dental insurance does not work like that at all.
Dental insurance is more like a coupon: It usually will get you a discount on common services.
Many dental insurance plans will tell you that their plans will be covered up to 80% or up to 100%.
This is also not accurate.
Most dentists will tell you that dental insurance typically covers 30-40% of your average fee.
Why is this?
Dental insurance companies are just that: companies. They exist to make a profit.
The math works something like this:
- If your employer did put a lot of money into your dental insurance plan: After the insurance company takes their profit, there is more money to pay out your claims.
- If your employer did not put a lot of money into your dental insurance plan: After the insurance company takes their profit, there is less money to pay out your claims.
If you got your dental insurance through your employer for free – that’s cool. But it is most certainly not worth paying for yourself.
So what to do?
Moonlight Beach Dental offers an alternative to dental insurance called The Moonlight Beach Dental Savings Plan. This plan saves you over $800 per year on dental services you’re going to get anyway.
You may also appreciate this page with multiple ways to save money at the dentist.
If you want to know more about dental insurance, we have a page that simplifies the dental insurance topic.