One of the most confusing topics in the world of healthcare is insurance. While dental insurance is intended to make dental care more affordable, it often can make it more complicated. If you have the wrong plan, it’s also not much more affordable!
Today I am reviewing some insurance basics, and introducing our insurance alternative – our new Fountainhead Dentistry Membership Plan! Our new membership program has 3 plans, Adult, Child, and Adult Perio (for adults with periodontal disease, less common).
We offer all the standard preventative care per year- cleanings, check-ups, x-rays, and one emergency visit, at a 20% discount. Then any additional dental work done at our practice, like fillings, crowns, root canals, will be discounted 15%. We will also offer professional whitening, including Zoom, at the 30% discount!
If you’re reading this and you’re wondering whether to join our Fountainhead Dentistry Membership Plan, here are the answers to some basic questions to get you started in the right direction. If you have any more questions about the Fountainhead Dentistry Membership Plan, please feel free to respond to this email, or call us at 301-797-6950.
How do I pick a dental insurance plan?
Often your employer picks for you. Within their selected insurance provider, you can typically pick a level of coverage. Once you have a specific insurance plan, you can check to see which dentists are in-network. If you choose to see a dentist who is not in the insurance plan network, you have to pay significantly more, or get no coverage at all.
How long is the waiting period?
Once you get dental insurance, you typically need to wait 6-12 months before getting any dental work covered. For more major work, you may need to wait even longer. The Fountainhead Dentistry Membership plan has no waiting period at all! The day you sign up you can start receiving preventative care, as well as your discount on everything else!
How do payments work?
Dental insurances have deductibles, copays, and maximums. The deductible is the amount of money you would have to pay out of pocket for dental procedures before getting insurance coverage. Once you meet your deductible, you’re still responsible for your copay, which can vary. Commonly, insurance companies will pay for 100% of your preventative care, 80% of basic procedures, and 50% of major procedures. Cosmetic procedures are typically not covered. Your insurance also puts a maximum on how much they will cover per year, often this is around $1,000 – 2,000. After you reach your maximum, you would be responsible for paying the entirety of dental bills for the rest of the year.
The Fountainhead Dentistry Membership Plan is a little simpler, you can check out the price breakdown in the graphics below. In addition to the prices below, we also offer a discount for additional family members! Learn even more about our different plans here.
It is important to remind you that the Fountainhead Dentistry Membership Plan is not an insurance plan. We are simply offering our recommended treatment at a discounted rate. If you require treatment from a specialist outside of our practice, the membership discount does not apply. If you are currently paying out-of-pocket, or not happy with your current insurance coverage, this is a great option for you! Give us a call to sign up, or follow this link.