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update: Aetna dental savings plans - 20% off thru July 24

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rated:
Update:  "sale"extended through 7/24,for Aetna plans.  See website for promo code.  http://aetnadentaloffers.com/discount-dental-plans/plans?affid=1...

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Last year, BenH initiated a very informative thread on dental savings plans (DSPs) vs. traditional insurance.  See:  https://www.fatwallet.com/forums/arcmessageview.php?catid=52&threadid=1539011   FWIW, I'd like to add the following:

1.  deleted

2.  Historically, I didn't buy dental insurance, because I didn't think it was a good deal, premiums vs. limited/capped benefits, plus our family dentist charged very reasonable rates.  Fast forward a few years, our dentist retired and we had to find a new provider.  After experiencing some sticker shock at the rates some local dentists are charging, I found one that I thought was reasonable, tried her out for an exam and was very happy with quality of service.  I needed some follow-up work, and the office manager mentioned that the dentist participated in the Aetna Access DSP.  I did some research and found that the plan would get me roughly 50% off this dentist's rates.  For example, her regular rate for a 3-surface resin composite is $266, while the rate w/ the DSP is only $133.  So,, at only $164 per year for family coverage, the DSP easily and quickly pays for itself.  No brainer for me.

TL;DR -- I'm sold on DSPs as a way to reduce costs.  I also think it's pretty easy, in the big scheme of things, to "test drive" a participating dentist if you have a DSP.  So, if you're not happy, you're not out much $ and you can try out another one.

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rated:
Just a reminder that all the prices on the DentalPlans.com website are advertised as $20 less than the actual cost.

rated:
The first result in my area - Delta Dental Patient Direct, was advertised at $118.96/yr single and $152.96/yr family.

You can purchase this directly from Delta Dental for $80/yr (individual or family does not matter).

Shop around for sure.

That being said, the potential cost savings are real for these plans (I've had Delta Dental Patient Direct for 2 years now).

rated:
So does my dentist have to be listed to get the discount rates?

rated:
lotusgardener said:   So does my dentist have to be listed to get the discount rates?
Yea, to get the plan rates, your dentist would need to be listed.
http://www.dentalplans.com/dentalsearch/howtofinddentists  

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