Tuesday, August 1, 2017
Exploring my dental options
Due to the cost of $900, I have opted not to go with a dental insurance plan rider through my new insurance, to start Sept. 1. I am in the doing my homework phase as I explore my options.
I first reached out to my long time dentist, to see if they offer any cash discount. The response was no, but the receptionist did tell me about the existence of multiple dental discount plans, not insurance, but rather discount programs that one can join, for an annual fee. I normally only get 2 cleanings a year and xrays once a year with a full series done every 3 years (just had my full series done this Summer).
After exploring several options, it looks like I will go with the plan offered through Aetna insurance: Aetna access. I need to call my dentist back to confirm whether or not they accept this card (it didn't appear so based on the Aetna screener) and I've asked for recommendations on several social media sites. I have no qualms about switching dentists and do feel strongly about maintaining my dental health-something instilled in me as a young child. There were several caveats growing up:
-always appear neat and clean (your clothes may be carefully mended)
-take care of your teeth
-wear leather shoes
I specifically recall my grandmother often telling us this.
Once I have a reply from my current dentist, and after consulting the offices of several new dentists referred to me, I will determine which dentist would end up costing me the least out of pocket.
Without any cash discount, my current dentist charges $158 twice a year for just cleaning, so $316.
The Aetna plan costs $139.99. I need some hard numbers. This plan isn't just for cleaning, all charges are at discounted rates. Should I require dental work, this plan would definitely pay out for me.
Worth looking into. Does anyone have experience with this or a similar plan? I already looked at Cigna's, which was much higher in cost.