Despite common belief, dental insurance is not actually insurance because it doesn't protect patients from catastrophic financial risk. It functions as a pre-paid discount plan or an annual benefit allowance with strict caps.
The good news is that many dentists are now creating annual tiered plans which include the basic xrays, 2 exams/cleanings, 1 emergency visit (completely covered!!) and 20% off anything that exceeds that.
You know, what insurance companies are supposed to do. 🤨

These are also a form of direct primary care agreements (also known as direct dental care, in-office dental plans, or dental membership savings plans), and are designed for patients without insurance, or for those seeking an alternative to traditional insurance. It allows patients immediate access to care with no waiting periods or annual maximums that limit total benefits. We know that traditional dental insurance plans will have you paying thousands, just for the privilege of having to pay hundreds for your care. It's bullshit. If you can find a dental office with a direct primary care agreement, GRAB IT. They're worth their weight in gold.
https://rising.dental/what-is-direct-dental-care/
#dentalcare #dentalinsurance #directprimarycare #healthcare #insuranceisascam