Should You Divorce Your Dental Insurance Plan?

dental insurance in bend oregon

The end of the year is a time of scrambling for most folks. For some, it means scrambling for that perfect gift that can’t be found anywhere. For others, it means scrambling to use the remaining benefits in their dental and health plans. 

But waiting until the end of the year for needed dental exams and treatment can often cause stress and anxiety when your dentist kindly informs you that their schedules are booked out into the new year. One solution for forever avoiding the end-of-year deductible dance is to consider a Dental Membership Plan, like the Membership Club we offer at Mill Point Dental. 

Understanding Dental Membership Plans

A common misconception is that you need to have insurance to see a dentist. But the truth is that you don’t. Membership plans are options for people who want control of their dental care and want to avoid being limited in what they can and cannot do by their insurance. Membership plans are also growing in popularity for entrepreneurs and small businesses due to their low cost and flexibility. 

At Mill Point Dental, our plans start at $29 a month and include two professional cleanings each year, doctor examinations, any needed x-rays, one emergency exam if needed, annual fluoride treatments, and 15% off all other treatments with some exclusions. The cost of dental insurance on the Marketplace is considerably higher per month, and their plans don’t include the freedom to pick and choose your dentist or the services you want versus those they will cover. 

“I chose to move forward with Mill Point Dental’s Membership Club because I knew I was going to need services that my insurance wouldn’t cover, and I was tired of being restricted. With the plan, I can choose what services I receive and save money too because of the discount members receive. It’s a win-win for me.” – Lindsay, actual patient

What You Need to Know About In-Network and Out-of-Network Plans

You’re probably familiar with in-network providers and perhaps tremble at the thought of going to an out-of-network provider. In our experience, most people with insurance choose their dental provider based upon who their insurance says is in-network. But your insurance should not dictate where you go for dental care. Depending on the service and what your plan covers, there may be an out-of-pocket fee that you’re responsible for paying should you choose an out-of-network provider. The moral of the story is that if you want to go to an out-of-network dentist, you should. Call the dentist and your insurance carrier to learn more about any potential out-of-pocket fees you may incur for rendered services if you’re on the fence. 

It is great to have options, and we believe that everyone has the right to make informed healthcare decisions. Insurance is one area that few people truly understand. If you know someone interested in starting the new year (or any time) with a new dentist, have them call our office to learn more about our membership club. We can help guide them toward the best fit based on their usage of benefits.