Is a Dental Plan Worth the Membership Fee?

A dental plan is not like dental insurance. People select a plan that fits into their budgets and will most likely suit their needs. Plans are customized so there is a great deal of flexibility involved. An individual can select a plan that provides savings on preventative care, or one the will also offer savings on cosmetic procedures. A family can have restorative services included in their plan if they so desire.


Plans will cost different members different prices based on what procedures and savings they selected. Plans are paid for in an annual membership fee. Fees are not broken down so they must be paid all at once. That is not as overwhelming as it seems because plans are affordable. Most will pay for themselves within the first two or three appointments.

Membership allows card holders access to a network of dentists who have agreed to offer ten to sixty percent discounts on procedures or type of dentistry chosen. That individual who selected a plan that includes preventative procedures only will not get any savings on cosmetic or restorative procedures. It is important to be clear about what each category includes.

Preventative procedures include x-rays, examinations, cleanings, and sealants. Fillings and fixing broken or cracked teeth comes under restorative procedures. It is an important distinction that will affect how much savings members enjoy from their plans.

The Network

If a dentist is not part of the network, there will be no savings. People who become members without first confirming there is a network dentist in their area can be wasting their money. This situation is more likely to be the case in rural areas. Unless the member is willing to travel to the nearest network dentist, membership will provide zero savings.

Verify the number of dentists, if any, who are in the network in a specific locale. This can be completed easily right online when selecting a plan. Those unsure if dentists are close by can find out more info here by entering their zip codes. If the search indicates there are no dentist in close proximity, a dental plan will not help with cost savings.