Going into a dental office and receiving treatment isn’t always fun. According to one access data, nearly 75 percent of American adults feel some kind of fear when visiting the dentist. The sound of the instruments and the muscle aches caused by opening your mouth can be uncomfortable. But there’s another scary thing about root canals – they can empty your wallet.
The high cost
Consumers’ wallets can be very “painful”. Depending on the type of treatment, root canals can cost between $50-$4,500. Tooth extractions can cost up to $650. Crowns can cost up to $820. Here is a price list for root canal treatment.
Many patients cannot afford to pay for treatment on their own. Sometimes, dental insurance and dental savings plans can help. Many dental insurance plans fully cover the cost of dental exams and provide coverage for 50-80% of other dental problems. Dental savings plans work in almost the same way, allowing clients to take advantage of discounted dental services while paying a monthly membership fee instead of a premium.
The difference between the two
What is dental insurance
In general, it is more traditional to purchase dental insurance, and some employers have health insurance benefits available that typically include dental insurance benefits as well. Dental insurance differs from health insurance in that it covers three main areas.
The first category is preventive treatment, including such routine care items as Exam & X-rays, Cleanings, Sealants, etc. The reimbursement is the highest and is usually 100% reimbursable.
The second category is basic treatments, including Restorative Fillings, Periodontics, Extractions, etc., which are generally reimbursed at 70% or more.
The third category is major treatments, such as Endodontics, Crown, Implant, Bridge, Denture (dentures), and other items, which are generally only 50% reimbursed and will likely have a waiting time limit.
Comparing different dental insurance policies depends on its waiting period, maximum payment limit, and dental office coverage.
What is a dental savings plan
In addition to buying insurance, patients actually have the option of purchasing a dental discount plan. Insurance requires registration for purchase at a fixed time of the year, while dental plans are completely different in that patients can purchase them at any time and they become effective upon purchase (sometimes, there is a waiting period of 7-10 days).
In addition, the discount plan does not reimburse the client for expenses. What it does is that the client gets a lower price directly for dental visits at participating clinics, and it doesn’t have the same limited amount as insurance.
How much you can save with both
In general, dental insurance or dental savings plans can help patients save between 30% and 70%. Currently, here is a directory list of some of the best dental insurance services in the United States with the most services, the most dental clinics and the highest limits.