Choosing the right dental membership plan can save you thousands. Learn what features to look for, questions to ask, and red flags to avoid.
Understanding Dental Membership Plans
Dental membership plans are becoming the preferred alternative to traditional insurance. But not all plans are created equal. Here's what to look for when choosing the right plan for you and your family.
Essential Features to Look For
1. Preventive Care Coverage
Your plan should include:
- Two cleanings per year (minimum)
- Annual or bi-annual exams
- X-rays (bitewing and panoramic)
- Fluoride treatments (especially for children)
Why it matters: Preventive care prevents expensive problems later. If a plan doesn't include free or heavily discounted cleanings, look elsewhere.
2. Discount Structure
Look for clear, transparent discounts:
- 20-40% off basic procedures (fillings, extractions)
- 15-30% off major procedures (crowns, root canals, bridges)
- 10-20% off cosmetic procedures (whitening, veneers)
Red flag: Vague language like "discounted rates" without specific percentages.
3. No Annual Maximums
Unlike insurance, membership plans shouldn't have annual spending limits. You should be able to get the care you need, when you need it.
4. No Waiting Periods
Most membership plans start immediately. Be wary of plans that require waiting periods for major procedures - this is an insurance tactic, not a membership benefit.
5. Family Plan Options
If you have a family, look for:
- Family plan discounts (often 10-20% off individual rates)
- Children's preventive care included
- Ability to add family members anytime
Questions to Ask Before Signing Up
- "What exactly is included in the monthly fee?" Get specifics, not generalities.
- "What are the exact discount percentages?" Ask for a fee schedule.
- "Are there any hidden fees?" Some plans charge enrollment fees or cancellation fees.
- "Can I cancel anytime?" Most good plans allow cancellation with 30 days notice.
- "What happens if I need emergency care?" Understand emergency coverage and costs.
- "Do you offer payment plans for major procedures?" Even with discounts, major work can be expensive.
Red Flags to Avoid
- High monthly fees - Most good plans are $20-50/month per person
- Long-term contracts - You should be able to cancel with reasonable notice
- Limited procedure coverage - Make sure the plan covers what you need
- Poor dentist selection - You should have access to quality dentists
- No transparency - If they won't show you a fee schedule, walk away
Comparing Plans
When comparing plans, create a simple spreadsheet:
| Feature | Plan A | Plan B |
|---|---|---|
| Monthly Fee | $35 | $45 |
| Cleanings Included | 2/year | 2/year |
| Basic Procedure Discount | 30% | 25% |
| Major Procedure Discount | 25% | 20% |
| Family Discount | 15% | 10% |
Smile Pilot: What Makes Us Different
Smile Pilot membership plans offer:
- Transparent pricing - see exact costs before you sign up
- No annual maximums - get the care you need
- No waiting periods - start saving immediately
- Quality dentists - all verified, licensed professionals
- Flexible plans - individual, couple, and family options
- Easy cancellation - cancel anytime with 30 days notice