{"id":169,"date":"2024-05-06T14:18:00","date_gmt":"2024-05-06T14:18:00","guid":{"rendered":"https:\/\/www.adcdyer.com\/blog\/?p=169"},"modified":"2024-06-24T14:25:34","modified_gmt":"2024-06-24T14:25:34","slug":"how-are-dental-wellness-plans-different-from-dental-insurance","status":"publish","type":"post","link":"https:\/\/www.adcdyer.com\/blog\/2024\/05\/06\/how-are-dental-wellness-plans-different-from-dental-insurance\/","title":{"rendered":"How are Dental Wellness Plans Different from Dental Insurance?\u00a0"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignleft size-medium\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.adcdyer.com\/blog\/wp-content\/uploads\/2024\/06\/AdobeStock_108447278__1719238972_98994-300x200.jpg\" alt=\"Person examining dental insurance details on ipad\" class=\"wp-image-170\" srcset=\"https:\/\/www.adcdyer.com\/blog\/wp-content\/uploads\/2024\/06\/AdobeStock_108447278__1719238972_98994-300x200.jpg 300w, https:\/\/www.adcdyer.com\/blog\/wp-content\/uploads\/2024\/06\/AdobeStock_108447278__1719238972_98994-768x512.jpg 768w, https:\/\/www.adcdyer.com\/blog\/wp-content\/uploads\/2024\/06\/AdobeStock_108447278__1719238972_98994.jpg 800w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/figure><\/div>\n\n\n<p>It\u2019s nice to know that there are many ways to afford dental treatment. However, some of them might have you scratching your head. A <a href=\"https:\/\/www.adcdyer.com\/advanced-dental-wellness-plan.html\">dental wellness plan<\/a> sounds an awful lot like <a href=\"https:\/\/www.adcdyer.com\/dental-insurance.html\">dental insurance<\/a>. But dentists wouldn\u2019t offer these plans <em>and <\/em>accept dental insurance if they were exactly the same, right? How are they different, if at all?<\/p>\n\n\n\n<p>Keep reading for the details. A quick comparison will tell you everything you need to know.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">What is a Dental Wellness Plan?<\/h2>\n\n\n\n<p>First, know that dental wellness plans can also be called dental savings plans or dental discount plans. They all fit under the same category of financing and fulfill the same purpose. Some dentists simply prefer one name over the other, depending on which one they think describes their plan best. Every office does it a bit differently, but in general the main characteristics you\u2019re looking for are:<\/p>\n\n\n\n<ul>\n<li>The plan is provided directly by your dentist<\/li>\n\n\n\n<li>A one-time fee covers the full year<\/li>\n\n\n\n<li>The plan uses a discount system<\/li>\n<\/ul>\n\n\n\n<p>With a dental wellness plan, you\u2019re still responsible for payments, but service costs are reduced or eliminated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Dental Insurance Work?<\/h2>\n\n\n\n<p>Dental insurance works a lot like medical insurance. Most insurers have multiple different dental plans to choose from, but here\u2019s what you should keep in mind:<\/p>\n\n\n\n<ul>\n<li>You or your employer pay a monthly premium to a third-party provider<\/li>\n\n\n\n<li>The provider covers all or a portion of the costs for your dental treatments<\/li>\n\n\n\n<li>In cases of partial coverage, you\u2019re responsible for paying what\u2019s left of the fee<\/li>\n<\/ul>\n\n\n\n<p>As you can see, dental insurance also aims to reduce or eliminate service costs. You\u2019re simply taking an extra step and paying one extra entity to get those lower rates.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s Better? A Dental Wellness Plan or Dental Insurance?<\/h2>\n\n\n\n<p>That really depends. Generally speaking, dental wellness plans are a great alternative for uninsured patients, especially if they\u2019re expecting to visit their dentist frequently. Dental insurance works for you best when offered through your employer as a benefit, or if your oral health is reliable. You could try to compare the value of the two by looking at these factors:<\/p>\n\n\n\n<ul>\n<li><strong>Total cost<\/strong>. Take your dental insurance\u2019s monthly premium and add it up to see what it actually costs you for the whole year. Is the total more or less than the annual rate of your dentist\u2019s wellness plan?<\/li>\n\n\n\n<li><strong>Coverage. <\/strong>Which services does each option cover and partially cover? A more expensive plan could be worth it if it covers services you use frequently or significantly reduces your out-of-pocket costs.<\/li>\n\n\n\n<li><strong>Limits. <\/strong>It\u2019s normal for financing options to come with some fine print. Both options typically cover only two checkups and cleanings per year, and dental insurance typically halts coverage for the year if you exceed a maximum annual amount. Pay special attention to that amount, as costly or frequent treatments could quickly exceed your allowance.<\/li>\n<\/ul>\n\n\n\n<p>Alternatively, you could talk to your dental team. That\u2019s right, your dental team helps you with all things dental, including savings plans and insurance. They\u2019ll break down the specifics so you can pay for your dental treatments comfortably and confidently!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">About the Practice<\/h2>\n\n\n\n<p>Our team at <a href=\"https:\/\/www.adcdyer.com\/contact-us.html\">Advanced Dental Concepts<\/a> believes in providing personalized care \u2013 which extends to your finances! We\u2019re proud to accept Delta Dental insurance and offer CareCredit financing as well as our Advanced Dental Wellness Plan. Pay with the option that best fits your unique needs, or call 219-322-3418 if you have questions. We\u2019ll be happy to help you count the cost!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s nice to know that there are many ways to afford dental treatment. However, some of them might have you scratching your head. A dental wellness plan sounds an awful lot like dental insurance. But dentists wouldn\u2019t offer these plans and accept dental insurance if they were exactly the same, right? How are they different, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/posts\/169"}],"collection":[{"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/comments?post=169"}],"version-history":[{"count":1,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/posts\/169\/revisions"}],"predecessor-version":[{"id":171,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/posts\/169\/revisions\/171"}],"wp:attachment":[{"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/media?parent=169"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/categories?post=169"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.adcdyer.com\/blog\/wp-json\/wp\/v2\/tags?post=169"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}