Hello Dental Family!

Should I Enroll In A Dental Plan?

Even though you are not required to sign up for dental insurance during the open enrollment period under the Affordable Care Act, it is wise to select a dental plan at the same time you choose your medical plan. Since you are already taking the time to complete the enrollment for medical coverage, it makes sense to get a dental plan, because taking care of your oral health and overall health are extremely important. A key step in that process is choosing the kind of dental benefit coverage you will need over the next year. Enrolling in a quality dental insurance plan can help you and your family save on the costs of routine dental treatment as well as any major dental treatment you may require. 

Medicare Members May Want To Consider A VIP Membership Plan

For seniors who are electing Medicare or making changes to their supplements, open enrollment can also be a good time to consider a supplemental dental plan because Medicare does not include any dental benefits for seniors. After listening to many of our patients tell us that their Medicare dental plans are very limited, they have come to enjoy our VIP membership plan. 



Selecting A Dental Plan As An Individual

Very little has changed to increase the lack of dental insurance coverage options since the Affordable Care Act. Dental plan options are fewer and far more expensive per month. While the cost of coverage can vary greatly among the different types of insurance plans, most plans have a low annual coverage limit ranging from $1,000-$1,500. Patients can choose from a traditional dental insurance, a PPO, a HMO, a reduced discount dental plan, or our VIP membership plan. 

• Traditional dental insurance plans help you fit the cost of expensive dental treatments into your budget up to an allowed maximum amount, usually after a waiting period, and an annual deductible of $50 to $150. Traditional plans allow you to see any dentist or dental specialist, though these plans have high premiums and are becoming less available. 
• Dental PPO plans allow you to get care from any dentist or dental specialist, though you will save more on your treatment if you choose to see an in-network dentist from a limited list of providers. PPO plans also have new plan members wait anywhere from a few months to a year and a half before they can have coverage for more expensive treatments such as root canals, dentures, crowns, and bridges.
• Dental HMO plans require members to stay within a network for treatment, and sign up with a particular dentist that they choose from a specific list of HMO dentists. All referrals to dental specialists must also be within the HMO network. While there is often no waiting period imposed before coverage begins, an HMO plan may limit the number of times that you can see a dentist annually.
• Reduced Discount Dental Plans are a way to help save on dental care costs, while patients must select a dentist from a small list of doctors that have contracted with that particular discount plan. 
• The Ligocki Dental Group VIP Membership Plan is an affordable alternative to any of the commercial dental plans listed above. Members save 100% on preventative care, oral cancer screenings, emergency examinations, and X-ray costs. Along with 20% on all other treatment needs such as fillings, crowns, bridges, gum treatments, laser procedures, and extractions. Patients even save 20% on cosmetic dentistry like veneers, enamel shaping, laser gum contouring, and implants. Any medications, prescription toothpastes, at home oral rinses, electric toothbrushes, and tooth whitenings also gain a 10% savings. Our VIP Membership Plan does not have a waiting period, any exclusions for pre-existing conditions, or any maximum coverage limits. 

If you are dissatisfied with the dental benefits your employer offers, ineligible for dental insurance through Medicare, or would simply appreciate the freedom of choosing a dental plan that best suits you and your family’s needs, you can enroll in the Ligocki Dental Group VIP Membership Plan and start saving immediately. 

1. They can sign up at any time.
2. They have more control over costs.
3. There are fewer surprises when it comes to billing and what is covered.
4. Preventative care is covered at 100%. 
5. Emergency exams are covered at 100%. 
6. Cosmetic Dentistry has 20% savings. 
7. It provides dental care for the uninsured. 
8. There is no maximum coverage. 
9. It is easy to schedule appointments.
10. It is easy to understand the Membership Plan.