Other substantial advantages of the Direct Dental Savings Plan include:
If you need major dental work now – you don’t have to wait.
Most insurance companies have a waiting period for major dental work. In many cases, it can take up to a year before the insurance policy will pay for major dental work. The Direct Dental Savings Plan has no waiting period. If you need major work now – save money, and get the work you need – now, not later when your dental conditions may have progressed.
You are in complete control of decisions regarding your dental care. Don’t let an insurance company dictate your treatment.
Many insurance policies have an “Alternative Benefits Clause.” This is a provision in the policy that allows the insurance company to pay for an alternative treatment, usually at much lower cost, when several treatment options are possible. In other words, the insurance company, not you the patient, decides what procedure will be covered when there are options – no matter what you may want. Many people don’t like this. This is commonly found with: 1) White Fillings: You may want modern white fillings (because of their superior performance, superior cosmetics and no mercury content); however, your insurance may only pay for silver-mercury amalgam fillings. 2) Replacing a missing tooth: You may want a dental implant or fixed bridge, but your insurance may only pay for a removable partial denture. Do you think it is in your best interest to get the cheapest alternative treatment?
You don’t have to change dentists every year if your dental insurance plan changes.
Since the decline in our economy, many employers are changing insurance plans just about every year or two to try and save money. Unfortunately, many times this means people have to change dentists along with the change of insurance so they can go to a dentist on the plan. Is that really what you want? Do you think all dentists have the same skill, knowledge, experience, expertise and care? Who is better at making a choice about the best dentist for you – you or your insurance company?
You can more evenly budget your routine yearly dental expenses.
If you would like, you can pay for the Direct Dental Savings Plan monthly. Some people prefer to spread the cost out over the entire year in smaller increments each month. You still get the same great benefits and savings. The plan works exactly the same in every respect. You can budget the cost of your routine dental care into smaller monthly payments.
No co-pays on regular cleanings, checkups & annual x-rays.
With the Direct Dental Savings Plan there are no co-pays on your regular, twice-per-year routine checkups, cleanings or checkup x-rays. Your routine care is free. It’s that simple.
You don’t have to spread out needed dental care “a little each year” because of an insurance company’s limited maximum annual benefit payment.
If you need a lot of dental work and you have dental insurance, the maximum annual benefit payment will limit how much dental work you can have each year, and be reimbursed by your insurance company. If you need extensive dental treatment, you may be faced with a tough decision: pay for everything over the insurance’s annual maximum out of your pocket or delay some treatment until the next one or two years after the insurance anniversary date when the insurance payments renew. Pay for a larger portion out of your pocket, or risk the progression of dental disease to try and get the insurance company to pay more. What if you can’t wait? What if the treatment you need can’t be broken into segments? What if you just want to restore your dental health and get it all completed? This is one of the greatest benefits of Direct Dental Savings – you have unlimited yearly savings. No annual limit! No maximum!
No deductible payments each year.
Don’t be fooled, deductible payments are a way for insurance companies to discourage people from using their insurance each year. Effectively, a deductable payment increases the annual cost of the insurance plan. Direct Dental Savings has no annual deductible payment.
You are in complete control – you make the decisions about your dental care, the decisions are not made for you. You don’t need pre-approval from your insurance company.
The Direct Dental Savings Plan is far simpler and easier to use than most insurance plans. You do not have to send in paperwork and wait for an insurance company to tell you what procedures are covered or not covered. There are no time delays. You can receive accurate immediate answers regarding your questions and coverage at any time. By eliminating the “middleman,” the Direct Dental Savings Plan can save you more simply.
The Direct Dental Savings Plan is very simple and easy to use and understand – no confusion.
Do you need an interpreter to understand your insurance policy? Do you even know what your insurance plan covers? Do you really know the details of your policy? What procedures are covered? Which ones are not covered? What will your insurance pay for each procedure? If you are like most people, these details are vague at best. It is in the insurance company’s best interest to be unclear and confusing. Insurance companies don’t want to make it easy for informed consumers to compare different policies or plans. The Direct Dental Savings Plan is simple, clear and easy to understand. If you have any questions – they can be answered accurately and immediately – No delay! No confusion!
No eligibility requirements or qualifications.
Everyone can benefit from the Direct Dental Savings Plan. You do not have to work for company or belong to a specific group to qualify for the plan. Everyone is eligible. If you have dental insurance now, you may find the Direct Dental Savings Plan can save you more money and be simpler and easier to use.
No restrictions on the replacement of any prior dental work.
This is a little known dental insurance restriction. On occasion, crowns and fixed bridgework may get new cavities in a relatively short period of time (in other words, the dental restorations may not last their expected 10 – 20 years). This can happen for several common reasons; unfortunately, some people have a higher cavity rate than others. For those people prone to cavities and dental problems, this can be a significant cost. Dentures and partial dentures can wear out, the fit can change or they can break. Insurance companies often limit or deny payment for the replacement of any restoration or appliance that has been in place for less than a certain number of years. It used to be that this was a five year restriction. Now, it is more common to see a seven or ten year replacement restriction. If you have any situation that requires replacement of a restoration or appliance that has not been in use long enough – your insurance will not pay for any of the replacement. Direct Dental Savings has NO Replacement restrictions of any kind. If you need treatment, you can save money – period!