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April 8, 2019

Sometimes Dental Discount Plans Can Be Cheaper Than Dental Insurance for Procedures

Filed under: Health — Edgar (aka MrConsumer) @ 5:54 am

MrConsumer had a root canal that recently developed an infection and root tip surgery (an “apico”) was recommended as a possible remedy.

Not wanting to inflict pain on my pocketbook also, I asked if the dental office manager would be willing to charge me the “allowed” Blue Cross dental insurance price for the procedure despite the fact that my policy only covered preventive work like cleanings, exams, and x-rays. She said she would and added that by contract with some insurers, dentists are required to only charge the allowed amount to patients in such cases. Whether that is true or not, I don’t know, but I’ll take the discounted price, thank you very much.

I asked for a breakdown of what the “cash” (no insurance) price would be versus the Blue Cross price.

Apico price comparison

With my current insurance which would pay nothing toward the procedure, the full amount I would have to pay is $900 less than the cash (uninsured) price. Wow, what a savings.

But, I happened to ask if this endodontist accepted any discount plans. A discount dental plan is not insurance but rather a membership you can buy that offers a set of predefined prices for dental procedures that are 10% – 50% less than the uninsured cash price. Some well known insurance companies like Aetna and Cigna offer such plans, and independent firms do too. The plans vary in price, but for a single individual you would pay between $100 and $125 a year for one.

To MrConsumer’s everlasting delight, the office manager said that they accept Cigna Preferred Network Access. She gave me their pre-negotiated discount prices for my procedure:

*MOUSE PRINT:

Apico discount prices

This discount plan was $400 less than the Blue Cross price, and $1,300 less than the cash price. Yikes, what a savings.

So MrConsumer bought the Cigna discount plan using a percent-off promo code, which brought the price down to $99 plus a $20 administrative fee. And the plan went into effect the very next day, with no waiting periods for major procedures.

So, as we have all read that sometimes buying prescription drugs using a discount card rather than your health insurance might save you money, such is also the case with dental discount plans. Many dentists do not accept any of these plans, so this may not be a solution for everyone facing high dental bills.

Where do you find these plans and which dentists accept them? Just go to DentalPlans.com . [If you use this link, you will receive a 15% discount, and get an extra month free, as will MrConsumer.]

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