Dental Insurance: Conventional vs. In-House Insurance Plans

According to the National Association of Dental Plans, half of American adults over the age of 65 have no dental insurance. That’s in addition to the other Americans that lack dental coverage.

But getting regular dental care is imperative to your oral health. Growing evidence is even showing just how much your teeth and gums are connected to your overall health.

You may have the option of going with a conventional dental health plan via an employer or purchasing a plan on your own through a provider. Another option is to pay for an in-house dental plan through a dentist of your choice, which could save you unnecessary out-of-pocket costs and expensive premiums.

Let’s take a closer look at the pros and cons of each of these plans and how they might help you affordably get the dental care you need for a healthy, beautiful smile!

Conventional Insurance

Dental insurance plans typically include monthly premiums along with a maximum amount for covered services. Insurance coverage for dental services hasn’t changed for 40 years. Meanwhile, the cost of dentistry has increased due to overhead expenses. This means that conventional dental insurance doesn’t cover as much as it once did.

Pro: Most of these insurance plans cover 100% of preventative services, such as x-rays and teeth cleanings.

Con: They generally cover a lower percentage of other services that may be necessary, such as restorative dentistry.

Con: These plans have a maximum amount you can spend, with the average amount being $1,500. This means that if you need a lot of dental work done or want to get cosmetic dentistry, you might end up paying a lot of money out-of-pocket in addition to your monthly premium.

Con: If you just need basic preventative care throughout the year, you could end up paying more in premiums than if you had just paid out-of-pocket. And if you choose a cheaper dental plan outside of your employer, you may be limited on the number of dentists in your network, which can be inconvenient.

The verdict? Conventional dental plans may not be best for patients who need a lot of dental work done or those who only use their plan for preventative services throughout the year.

In-House Plan

With an in-house dental plan, you typically receive discounted services throughout the year. For example, at Leesburg Family & Cosmetic Dentistry, we offer 20% off all dental services for the whole year when you sign up for our Patient Membership Plan. These lowered costs translate into real savings for many people, especially if you need a lot of dental work done.

Pro: The fee you pay for these in-house dental plans is often less than your insurance premium and often gives you a better deal than your insurance plan does.

Pro: For patients who aren’t able to get dental insurance through their employer or don’t want to pay for a cheap plan with limited in-network providers, in-house dental plans allow you to work with the dentist you want at a discounted rate.

Pro: All essential preventative services are covered, and you get a discount on all other services, meaning you’ll never be paying more than you need to just to have a regular insurance plan.

The verdict? If you don’t have any dental coverage or don’t have adequate dental coverage, an in-house membership plan can help you get the services you need at a more affordable rate. This includes patients who need a lot of dental work, such as cosmetic or restorative dentistry, or patients who need basic care and don’t want to pay a high premium through their employer.

Which Is the Better Deal?

For most people, having any dental insurance is better than having none at all, but often, in-house plans offer a more affordable deal for both preventative and restorative services. Have questions about our in-house plan, or want to know more about what services we offer for your oral health? Contact us at Leesburg Family & Cosmetic Dentistry today at (703) 831-3952!