100,000+ views

5 min

In a Nutshell: While oral hygiene is important and strongly linked not only to oral health, but to overall health, many people forgo dental care because it can be costly. Moreover, a lot of traditional dental insurance plans set low annual limits on their coverage, meaning policyholders can still wind up paying outrageous out-of-pocket fees for dental care. Plus, dental insurance makes people wait for months before their coverage activates for more expensive procedures, and who wants to wait when they have a bad toothache? With a dental savings plan there is no waiting, no spending limits, and there’s a plan for every budget and dental care need at DentalPlans.com, a marketplace for dental savings plans. With a dental savings plan you can save anywhere from 10% to 60% on most dental procedures.

According to the National Association of Dental Plans, for every American adult without health insurance, an estimated three also lack dental coverage. One possible reason is that dental insurance plans tend to cut corners on what’s actually covered, leaving many patients with much bigger bills on their way out of the dentist’s office than they bargained for. The question then arises as to why they’re paying all of this money for coverage in the first place.

Dental procedures are notoriously expensive. To add insult to injury, dental offices typically don’t like to deal with the red tape associated with insurance companies. Thus, in the end, no one really wins.

DentalPlans.com is an affordable alternative to traditional dental insurance that enables customers to save on dental visits without the hassle, bureaucracy, long waits, and high deductibles that come with most insurance plans.

“We provide members with affordable access to the dental care services they need and deserve, enabling them to lead happier, healthier lives,” said Bill Chase, VP of Marketing at DentalPlans.com. “By presenting their dental savings card to a participating dentist, members can save 10%-60% on most dental procedures and help avoid what can be costly or painful dental issues later on.”

Users can compare up to four plans at a time based on their own needs, and the dentists within each network have agreed to provide significant savings to its members. This gives members a tailored plan that they’re far more likely to benefit from than a dental insurance policy that has numerous restrictions. Of course, you can view a fee schedule in the Member’s Area, but it’s still a good idea to confirm rates before a visit to the dentist.

“You could liken our savings plan to a warehouse discount card, almost like a Sam’s Club — basically, members are paying a minimal fee, and we have individual and family plans,” Bill said.

DentalPlans.com members benefit in a variety of ways, namely through savings, ease of signup, and accessibility to a wide network of specialists, but these services are also appealing to dentists because there’s no insurance company to deal with. Insurance companies present dental offices with a lot of additional paperwork and hassle, while DentalPlans.com tends to provide a much smoother transaction on both ends.

A Simple Signup Process and Low Premiums — How DentalPlans.com Differs From Basic Insurers

Shopping for dental insurance can be challenging, and the activation process for many plans tends to be long and drawn out. This mean that if you’re a brand-new policyholder with a dental emergency and in need of immediate treatment, for example, you might not be covered. Signing up for DentalPlans.com, on the other hand, is a relatively simple process, and activation is immediate.

“Plans activate within three business days, with emergency activation available if needed, and there are no health restrictions, no paperwork hassles, and no forms to file. And, unlike insurance, with a dental savings plan there are no annual limits, no exclusions or limitations, no maximums, and no health restrictions,” Bill said. “Members can start saving on every visit — enjoying peace of mind and savings on what can be costly procedures.”

DentalPlans.com has arrangements with 100,000 dentists nationwide, and the plans come from health care providers that most users already trust, like Aetna and Cigna. You have a choice between paying monthly or annually, and the cost tends to be relatively low or on par with traditional dental coverage, but includes many more options to save and create customized plans.

Access to Over 30 Plans Allows Users to Compare and Customize Based on Dentist, Savings, or Procedures

Working with a variety of carriers allows DentalPlans.com to give you access to over 30 plans. At signup, you can choose four plans from this list to compare and customize by dentist, savings, and procedure, depending on the work you think you’ll need done.

Depending on where you live, you can choose from up to 30 different dental plans through the platform.

“When searching, people can conduct their search depending on the work they need, for example, restorative care,” Bill said. “If someone needs a general cleaning versus getting an implant, they can get on the website and compare up to four plans.”

Having the freedom to choose between plans allows individuals and families to create tailored plans that suit them or their family’s anticipated needs. It’s an efficient way of providing coverage that’s right for the individual.

“Members seem to really love the tools, like the plan comparison or savings calculator, that we provide through our site,” Bill said. “Not only does it help streamline the process and ultimately improve the consumer experience, but it also helps members search for a plan that best fits their or their family’s needs, research their options and make an informed decision they are comfortable with.”

Choose from Add-Ons Like Telemedicine Plans, Vision Plans, Prescription Savings Plans, and Hearing Benefits

In addition to dental savings, DentalPlans.com offers other benefits, allowing members to add on telemedicine plans, vision plans, prescription savings plans, and hearing benefits. These add-ons let you save even more on the health services that you need the most.

“We actually have many ancillary benefits as well, like vision, hearing, and there are a lot of add-ons that people can add onto their plans,” Bill said.

Many of the add-on benefits include coverage for care that people don’t always receive as part of their health care plans, particularly if they’re retired. These services are important for a lot of people, so giving members access to these discounts can result in significant savings on services that they really need.

“Affluent seniors, for example, have a disposable income, but they might not get the coverage that they’re looking for because they can’t afford dental insurance or they’ve lost their coverage after leaving a job,” Bill said.

An Affordable Alternative to Traditional Dental Insurance

When users sign up for a membership through DentalPlans.com, not only are they gaining access to affordable dental care, they’re gaining access to a large network with more than 100,000 dentists located nationwide. Because you have the option to compare four plans at signup, you’ll have the opportunity to receive highly discounted rates on the dental procedures that you need most.

“It’s really about creating an affordable option, and then making sure that people are getting the dental care that they need,” Bill said. “Because the reality is that many people will wait until they have a pain in their mouth, or they’ll wait until they have a really pressing dental issue before they go and take care of it. At that point, it could be more expensive, more painful, and it could lead to other health issues. Dental care is actually linked to overall health.”

According to one report, people without dental benefits are 67% more likely to have heart disease, 50% more likely to have osteoporosis, and 29% more likely to have diabetes. With ancillary benefits as optional add-ons, along with access to over 30 plans, DentalPlans.com has been helping more than 1 million people save on dental and other services since its inception. It’s an affordable alternative to a one-size-fits-all plan that often only covers a small portion of procedures.

With immediate activation, members can start saving money right away on their next dental visit, and dentists are free from the bureaucratic hassle of dealing with insurance companies — a win-win for everyone.

Advertiser Disclosure

BadCredit.org is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free for users, we receive advertising compensation from the financial products listed on this page. Along with key review factors, this compensation may impact how and where products appear on the page (including, for example, the order in which they appear). BadCredit.org does not include listings for all financial products.

Our Editorial Review Policy

Our site is committed to publishing independent, accurate content guided by strict editorial guidelines. Before articles and reviews are published on our site, they undergo a thorough review process performed by a team of independent editors and subject-matter experts to ensure the content’s accuracy, timeliness, and impartiality. Our editorial team is separate and independent of our site’s advertisers, and the opinions they express on our site are their own. To read more about our team members and their editorial backgrounds, please visit our site’s About page.

About The Author

Adam was written, edited, and managed content for news outlets and digital publications for nearly 20 years. Since specializing in finance in late 2016, his editorial focus has been on consumer financial literacy. Adam is most knowledgeable in the areas of credit scores, financial products and services, and the banking industry.

« Back to: Blog