Dental Blog

Castle Dental Payment Plans Offer Alternate to Insurance

Wednesday, November 29, 2017
insurance-alternative-payment-plan

Sometimes, there doesn’t always seem to be the best options when choosing between dentist financing and dental insurance to pay for your appointments. Between using a dentist near me search to find an affordable dentist, and finding quality care that matters, patients can feel lost. At Castle Dental, we’re trying to take a few steps to make paying for your dental services that much easier. We’ve created dental plans that fall under an alternative to dental insurance, called the OneSmile Dental Plan. With this type of dental plan, patients no longer need to rely on figuring out what type of coverage and copay their getting through their dental insurance provider. Some patients have found using the plan in addition to their dental insurance can save them money in the long run. Either way, we’re outlining how dental plans like this work and how it can save you money at your next appointment.

An Alternative to Dental Insurance

The OneSmile dental plan works as an alternative to dental insurance by providing patients with discounted payment options without restrictions. Because it doesn’t operate within the same field, everyone is guaranteed access to care. Regardless of your age, income, or medical history, all patients can apply to be a member of the OneSmile dental plan and start to use the saving to their advantage the minute their application is finished. You can have added confidence knowing that this plan is a licensed discount medical plan. It provides discounts at certain health care providers for dental services, like your Castle Dental offices. Patients are still responsible for paying for their dental services, but will receive a discount from participating locations within the organization.

The Downsides to Dental Insurance

Dental insurance is typically a great option for many patients looking to cover their dental service expenses. Whether the insurance plan you have was purchased privately, or was offered through your employer, it can greatly help pay for the cost of preventative dental care that keeps your smile healthy. With dental insurance, patients look at a few things when selecting which provider will work for them including their deductible, their coverage, and the cost of their copay.

Where dental insurance can sometimes fall short lies within the type of coverage your provided. Each dental insurance plan is different, so we recommend double checking what type of coverage you have directly with your provider before booking your next dental appointment. Most types of dental providers give patients routine preventative care to keep their smile healthy. This can include dental services such as oral exams, digital X-rays, and professional teeth cleanings. Dental insurance may not cover some services such as specialty dental services, cosmetic dental work, or orthodontics.

Specialty dental services can include things like dental implants, root canal therapy or oral surgery. These are generally more invasive procedures that require the knowledge and professionality of a dental specialist. Because of this, the cost behind these procedures tends to be higher than preventative care. However, they are equally as important to keeping your smile intact. For example, root canal therapy can sometimes be used when there is a severe cavity that has occurred on a tooth. In order to fully repair the tooth and save it from extraction, this type of therapy is used by an endodontist to save the tooth. However, some dental insurance providers may only cover part of the cost of this procedure, leaving the patient with the remainder of the bill. The OneSmile dental plan allows patients to gain access to lower pricing of these types of procedures to lower the cost of the overall amount due to the dental office. It’s always best to check with your dental insurance provider to see how they’re willing to work with a dental plan as a supplement to your care.

Orthodontics and cosmetic dentistry are another area where dental insurance can sometimes fall short. If the procedures taken aren’t directly used to save your teeth from dental caries and disease, they may or may not be covered by your insurance. Cosmetic procedures such as teeth whitening or porcelain veneers may be beneficial in boosting the appearance and confidence of your smile, but are not viewed as crucial to maintaining the health of your smile.

This can have a similar take when it comes to orthodontics and choosing between traditional metal braces and Invisalign. If you are an adult or a teen looking for braces, it can be difficult in choosing the most affordable option for your teeth. Some insurance providers will cover the cost, or partial costs of these treatment plans, whereas others will not. Dental plans such as the OneSmile dental plan can help reduce the cost you’d spend on orthodontic treatment by giving you a discounted rate in your area.

Why Preventative Care Matters

All too often the health of our gums, teeth, and overall smiles tend to get left behind when weighing financial decisions. People tend to push of their routine teeth cleanings and oral exams when they start to worry about how it’s impacting their finances. We hope to change this with the OneSmile dental plan, by giving patients access to 20-40% discounted pricing. Preventative care for your teeth is one of the best ways you can ensure the longevity of your smile. It’s when small dental issues are neglected that they turn into larger issues that require more invasive procedures that tend to be more costly.

One perfect example of this is the case of gum disease. Gum disease can be prevented with good at-home oral care paired with routine teeth cleanings at your dentist. When left neglected, gum disease will advance in stages. Once you’ve reached periodontitis or advanced periodontitis, the effects of the disease are irreversible. Your dentist will then need to send you to a specialist to perform a deep cleaning procedure, and sometimes even gum surgery to restore your connective gum and bone tissue that’s been damaged. Using preventative care methods on a regular basis can typically help patients stray away from larger issues developing.

How OneSmile Dental Plan Works

The OneSmile dental plan works by collecting a low yearly fee from members. In turn, they receive discounted pricing on general services, specialty services, and cosmetic procedures in their area. Because it’s not insurance, you’re not restricted access and you can start using the savings the moment you finish the application process. There are also no claims to file, as you simply pay the way you normally would for your dental visit, just with extra savings applied to your bill. You’ll also receive free oral exams and dental X-rays, with no annual maximums. The rates to apply are as follows:

  • One Year
    • Individual – $79/year
    • Two Individuals – $99/year
    • Family – $119/year
  • Two Years
    • Individual – $129/ 2 years
    • Two Individuals – $159/ 2 years
    • Family – $189/ 2 years

The plan you choose will be entirely based up to you and your needs. If you’re a single professional looking for a way to save on dental care, the individual plan can be a great option to encourage you to visit your dentist on a regular basis, without fearing how much it will cost you. If you’ve got an entire family to take care of, simply add them onto your plan and start saving. This option is great for families worried about the cost of receiving dental care that encourages healthy habits at home. These dental plans make the worry about paying for your dental appointments one less thing to worry about.

How to Enroll

You can choose to enroll either online or by calling us at 1 (833) 417-6453. From there you’ll select which plan option is right for you, and whether you’d like to pay for a one year or two year plan. Once your payment has been submitted, the discounts are effective immediately. Simply use a dentist near me search to find the closest participating Castle Dental location to you and schedule an appointment. When you arrive at your appointment, bring your member ID card with you to gain access to the discounted pricing. Once you’ve finished receiving your dental service, just pay and save! Your access to savings goes unlimited, so you won’t have to worry about reaching a cap on how often you need to receive the care you’re looking for.

Affordable Dentist Near Me

If it’s been awhile since your last dental visit, look to the OneSmile dental plan before booking your appointment. You may be surprised with just how many savings you can take advantage of. From preventative care that can do wonders for your smile, or simple cosmetic procedures you’ve held off on, there are all kinds of ways this alternative to dental insurance can impact you and your smile. For booking appointments at Castle Dental, simply apply online or call us at 1-800-867-6453. If you’re using your OneSmile dental plan, be sure to check the location you’re visiting is a registered provider, while bringing in your membership ID to gain access to all kinds of dental savings!