Dental Insurance: Managing Dentistry Costs

Dental insurance was not readily available to people years ago. Perhaps, your employer offered a $1000.00 annual benefit for two profession cleanings, a percentage reimbursement for major dental work such as for dental fillings, root canals, and dental crowns as well as a percentage for orthodontics. Yet, the benefits were often not high enough to substantially contribute to restorative dentistry costs. In fact, dental sealants and composite dental fillings were not usually covered by insurance companies years ago.  Today, there are ways to cover the cost of dentistry, both through employers and personal purchase options.  You may also supplement your dental insurance with another plan to more fully absorb your costs.

Flexible Spending Accounts: Dental costs can be paid for by funds that you accumulate in a flexible spending account. Flexible spending accounts are offered by some employers that allow you to save income in a special account before your income is taxed. Then, you may use the funds for healthcare costs, including dentistry.

Dental Plan Discounts: There is a wealth of discount dental plans offered by third party companies. These companies offer a preferred provider list of dentists that you may visit for discounts on professional dental cleanings, x-rays, dental fillings, root canals, dental crowns, dental implants, bridges, dentures, orthodontics and oral surgery.  These plans offer annual caps that may range from $500.00 to $1500.00, depending upon the dental plan.

Dental Financing Companies: Dental finance companies work hand in hand with dentists to provide financing for root canals, dental crowns, veneers, dental implants as well as other restorative or cosmetic dentistry procedures. Sometimes, dental finance company interest rates are better than credit card rates, offering flexible terms and repayment options.

Dental Office Payment Plans: Dental offices may offer payment plans to allow you to benefit from necessary treatment with the advantage of paying for your services comfortably.

If you would like to learn more about paying for your dental care, call Dr. Mark Sweeney, an Austin Texas cosmetic dentist at (512) 452-9296.