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Most Dental Insurance Plans Exclude Cosmetic Dental Procedures
When it comes to obtaining cosmetic dental care, many people find that traditional dental insurance plans fall short. According to the American Dental Association, cosmetic dental procedures are generally elective treatments aimed at enhancing one’s smile. Unlike dental savings plans, conventional dental insurance typically doesn’t cover cosmetic dental procedures. This means that if you’re interested in enhancing your smile with treatments like dental implants, dental bridges, tooth bleaching or whitening, dental veneers, dental bonding, or adult orthodontics, you’ll likely have to shoulder the full cost out-of-pocket when relying on dental insurance.
On the other hand, dental savings plans offer a financially savvy alternative. Unlike dental insurance, dental savings plans provide immediate discounts on a variety of cosmetic dental procedures. You can expect to save anywhere from 15% to 50% per visit, depending on the procedure and the provider. At United Dental Solutions, we offer dental savings plans that tap into extensive networks like the Aetna Dental Access and the DenteMax network. These networks include a wide range of qualified dental professionals who can perform everything from dental bonding to bridges at discounted rates.
Unlike dental savings plans, dental insurance plans normally do not include cosmetic dental procedure.
By choosing a dental savings plan, you not only save money but also gain the flexibility to select from a vast array of cosmetic dental procedures. And unlike dental insurance, there are no waiting periods or exclusions for pre-existing conditions. Whether you’re looking to brighten your smile or fix a missing tooth, dental discount plans offer a cost-effective and flexible solution for your cosmetic dental care needs.
Navigating the Differences Between Dental Savings Plans and Dental Insurance
United Dental Solutions dental plans differ significantly from conventional dental insurance. For example, our dental savings plans offer immediate discounts on cosmetic dental procedures, even for pre-existing conditions like missing teeth. According to a Consumer Reports review, dental savings plans can sometimes offer more flexible terms and options than traditional dental insurance, a point echoed by our own offerings. To receive these benefits, members must present their active membership ID card to an in-network dentist at the time of service.
Navigating the “Missing Tooth Clause” in Dental Insurance Plans
Dental insurance plans often come with a tricky stipulation known as the “missing tooth clause,” which can be a significant obstacle if you’re considering cosmetic dental procedures like dental bridges or dental implants. Essentially, this clause means that if a tooth was missing before your insurance coverage began, any cosmetic dental procedures to replace it would not be covered. Consequently, the dental procedure could be classified as a cosmetic dental procedure or a pre-existing condition, leaving you financially responsible for all costs incurred.
To bring this concept to life, let’s consider a real-world example. Suppose you lost a tooth a few years ago due to an accident or decay. Now, you’ve decided it’s time to address the gap with a dental implant. If your dental insurance plan has a “missing tooth clause,” you would be on the hook for the entire cost of the implant, which can run from $3,000 to $4,500 per tooth. Even if your insurance does cover some dental procedures, you’ll quickly reach your maximum annual benefits—leaving you to cover the remaining balance.
In situations like these, people often resort to alternative treatments that may be less effective or desirable. For instance, some may opt for partial dentures instead of an implant. However, these are often less comfortable and less functional than more permanent solutions.
Here’s where a dental savings plan can come to your rescue. Unlike dental insurance, a dental savings plan doesn’t have a missing tooth clause or maximum benefit limits. It offers significant discounts on a variety of dental procedures—including those related to missing teeth like dental bridges and implants—without any pre-existing condition exclusions. This makes a dental savings plan not just a viable option but sometimes an ideal complement to traditional dental insurance, especially for those whose dental needs aren’t fully covered.
Comparing waiting Periods for Cosmetic Dental Procedures
When it comes to dental savings plans for individuals and families, like those offered by United Dental Solutions, there are clear advantages over traditional dental insurance—especially in terms of cosmetic dental procedures. Unlike dental insurance plans, our dental savings plans allow new members to instantly benefit from discounts on cosmetic dental procedures, even if they have pre-existing conditions like missing teeth.
With United Dental Solutions dental plans, active members can take immediate advantage of significant discounts—ranging from 15% to 50%—for each dental visit. These discounts apply whether you’re getting dental implants, dental bridges, or any other cosmetic dental procedures. To reap these benefits, all that’s required is showing your active membership ID card to a participating in-network provider when receiving dental services.
The flexibility extends further. Our dental savings plans permit members to choose from both general dentists and specialists for their cosmetic dental needs. However, a referral is needed for specialist visits. Plus, there are no limitations on how many times you can use your discount card, as there are no maximum caps. Members can access an expansive network of dental professionals through both the Aetna Dental Access network and the DenteMax network.
It’s essential to remember that dental savings plans are not retroactive—they won’t cover procedures performed before your active membership begins. Also, these savings are applicable only when services are rendered by in-network providers.
Secure Your Smile and Savings with United Dental Solutions
Your dental health shouldn’t be compromised because of confusing clauses, prohibitive waiting periods, or high costs. At United Dental Solutions, we’ve simplified the process to offer you immediate savings on a range of cosmetic dental procedures. Why wait when you can start benefiting from discounted dental care today?
Sign Up Online: A few clicks are all that stand between you and comprehensive dental care with financial peace of mind. Visit United Dental Solutions to browse through our plans and enroll in the one that suits your needs.
Send us a Message: Got questions? Send us a message online. Or give us a call and speak with one of our agents: 1-888-205-2327.
In summary, navigating the complexities of dental care need not be an ordeal. With United Dental Solutions, you can easily find a plan that makes both your smile and your wallet happy. Take that first step today for long-term dental health and financial stability.