Is your family on a tight budget? Are you trying to save money to pay off student loans, cover a house mortgage or go on a family vacation? If you…

Dental Treatment

How Discount Dental Plans Can Work with Your Budget

Is your family on a tight budget? Are you trying to save money to pay off student loans, cover a house mortgage or go on a family vacation?

If you listen to budget experts, you may have already heard that you need to: create a budget, pay off your debt, make wise spending decisions and save for the future, but how do you take into account needed expenses like dental and health insurance?

How Does a Budget Work?

Creating a budget is simple and there isn’t a secret formula budget experts offer. Simply…

  1. Write down your total income
  2. List all your expenses
  3. Subtract those expenses from your income so it equals zero
  4. Track what you spend throughout the month so you don’t go over what you should be spending on each item

It sounds easy, right? However, many Americans don’t budget every month, which is part of the problem. Creating a budget is the first step. After that, you’ll have to follow it, which can be challenging.  

How to Afford Dental Care on My Budget

Even on a budget, it can be difficult to fit in everything you need, like health and dental insurance.

So what’s the alternative? We’d recommend a discount dental plan.

A discount dental plan is helpful for individuals on a strict budget because membership cost is often less than what you would pay on your own (without your company’s help). You really only pay for the work that you need.

Why Discount Dental Plans Work for Your Budget

Discount dental plans have a low annual fee and there are no caps on how many treatments you can have discounted.

Unless you don’t intend to visit the dentist at all this year, which could accrue higher expenses for dental work later, your money shouldn’t go to waste. Here’s Sallie’s story:

Sallie’s Story

Sallie Doesn’t Have Dental Insurance

Sallie lives in Texas and does not have dental insurance. Her employer provides health insurance but not dental insurance. One year, Sallie had 2 teeth cleanings (which included dental x-rays and an oral exam) and a tooth filling. Sallie paid $624 for the dental work.

First Dental Visit (no insurance) edit

Routine Dental Visit (no insurance) edit

Total Cost for the year without dental insurance edit
After seeing how much she paid on dental work, Sallie decided to get dental insurance.

Sallie Purchases Dental Insurance

Sallie wanted to continue her biannual teeth cleanings and purchase a dental insurance plan that would cover unexpected dental treatments, like tooth fillings or root canals. So for the following year, Sallie found a dental insurance plan that she thought would meet her dental care needs.

She purchased the insurance plan for $30 per month (plus a $35 processing fee), so she paid $395 for her dental insurance plan for the year.

For the first year, her dental insurance offered to pay 60% of the cost for her periodic oral exams, teeth cleanings and bitewing x-rays and 50% of the cost for her amalgam fillings (white, resin-based were not covered with her insurance). These percentages kicked in after she paid her $50 deductible for the year. Sallie will have to wait 2 more years before all of her benefits begin, like free cleanings and any savings on major procedures (hopefully an emergency doesn’t happen before then).

First Dental Visit (w insurance) edit
Routine Dental Visit (w insurance) UPDATE

Total cost for the year with dental insurance edit

Combining the cost of her dental insurance plan ($395) and the above cost of needed dental work ($268.50), Sallie paid $663.50 for the year ($40 more than what she paid without dental insurance). If she had really wanted the resin (white) filling, she would have had to pay for it all herself.

Sallie Discovers Discount Dental Plans

The following year, Sallie discovered discount dental plans. She paid $99 for the year (plus the $20 one-time processing fee), which amounted to $119 the first year and would cost $99 each consecutive year. She needed 2 cleanings for the year (including x-rays and the oral exam) and one resin-based tooth filling.

First Dental Visit (with 1Dental dental plan) edit

Routine Dental Visit (with 1Dental dental plan) edit

Total cost for the year with 1Dental discount dental plan edit

She paid $173 for her treatments and $119 for her plan, which brings her total cost for the first year to $292. She saved $451 using a discount dental plan compared to her previous options. She paid only what she needed and none of her money went to waste.

With a discount plan, budget for your annual fee (or multi-year purchase) and set aside money in your account for dental treatments and visits that occur throughout the year. For the most up-to-date treatment prices in your area, please visit the 1Dental fee schedule and enter your zip code.

If you have an HSA or FSA, you can save money in this account and use it to pay for dental expenses (on top of the discounted prices!).

Plan Comparison wTotal Cost edit

As you build out your budget, consider adding a discount dental plan to the list so you can get the dental care you need while still being able to take that family vacation, pay off your debt and enjoy your life without the stress of outrageous drains on your budget.

Natasha is 1Dental’s managing editor and copywriter, focusing content on dental and health news, advice and tips. She graduated from the University of Oklahoma with a bachelor’s degree in Journalism and Mass Communication and has since been a book editor and now copywriter and managing editor on dental and health. You can find her on Google+ and on all of 1Dental’s social networks.

7 Comments
    • It’s definitely real! My family alone has saved so much on this plan and I could recount so many stories others have shared with me about how much they’ve saved, too! We had dental insurance before and were discouraged by how much we were paying every month just to have that dental insurance plan AND add to that the amount we still had to pay when we went into the dentist. It was outrageous. The cost of this plan (of which you can pay annually or monthly) plus the awesome discounts you receive at the dental office has been amazing. We don’t feel like we’re wasting money every month paying for a dental insurance plan that isn’t saving us enough at the dentist. We pay an affordable rate for our plan and receive affordable rates at the dentist!

  1. I have been using the Carrington 500 discount at ApenDental in Waterville, Maine and their discounted prices are like double of what you post it to be.

    Why such a big difference from what you advertise?

    • Hi Marcel, thank you for writing to us. It’s possible you may have visited a specialist at their office, which is more expensive. If that is not the case though, please contact our Member Services at (855)772-4512 so they can make sure you weren’t charged incorrectly. They have access to the Quality Assurance department who will be able to enforce the contract if necessary.

      • Natasha, thanks for the reply.
        Their price for a routine cleaning is $143 and I pay $87. Zip 0491
        Trust me, I am not complaining, I saved $56.
        I am just curious as to the difference.
        Does each establishment set their own prices?

        Is that good compared to what you quote for Zip Code 76102 where it is $104 and pay $31.

        Thanks and I am happy with the savings I get compare to what I would be paying.

        • I’m glad you were able to still save at the dentist! A couple of things may be happening here, so hopefully this will help clarify the price you’re seeing…

          1) When you go in for a routine dental visit, you are charged for the cleaning AND the oral exam (the checkup your dentist does). And if you had any x-rays done, those would have been added to the cost, as well. Were you provided with a detailed receipt for your visit (listing the treatment you received and each treatment’s ADA code)? That could help you compare what you had done with our fee schedule.

          We also created this resource this year for our members that I hope you’ll check out! It goes through each visit and shows which types of treatment are most commonly given at each visit with an estimated cost of what that will be (and that specific cost will vary by state): //www.1dental.com/dental-plan-savings/ We often think (myself included when I first started using the plan) that if I’m just going in for a cleaning, I’ll only be charged for the cleaning, but there is often other things they do at the visit, too, which will add to your bill slightly.

          2) You may already be looking at your receipt and seeing that the price of the cleaning they did (just the cleaning) does not match with our fee schedule. The dentists in our network are under contract to charge the rates you see on the fee schedule. If you think you are not being charged correctly, please call Member Services at (855) 772-4512 to go over your bill. They have access to the Quality Assurance team to enforce the contracts with the dentists.

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