Declining Dental Coverage This Open Enrollment: Reckless or Power Move?

INDIANAPOLIS, Sept. 5, 2024 ~ As open enrollment approaches, millions of Americans are faced with the task of choosing between their employer's dental insurance plans. However, Plan Forward, a leading dental software company, is challenging individuals to consider an alternative option: opting out of insurance and trying a dental membership plan.

According to experts, oral health is a crucial indicator of overall health. Therefore, the most important factor in selecting coverage is one that will encourage patients to visit their dental provider. Unfortunately, many traditional dental insurance plans have hidden costs that can lead to high or unexpected out-of-pocket expenses for routine visits or inadequate care. This includes unclear coverage details, unreasonable maximums, and unfair waiting periods. It is essential for individuals to carefully review their employer's offering and understand all associated costs before making a decision.

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Surprisingly, many people are unaware that they can visit a dental practice without insurance. In fact, more and more providers are reevaluating their network participation, leaving even those with the best plans paying out-of-pocket. As a result, practices are increasingly offering membership plans as an alternative or addition to insurance networks in order to provide patients with more flexibility.

A dental membership plan involves a direct relationship between the patient and the dental practice. Patients pay a monthly fee for a defined set of services over a 12-month period. They may also receive discounts on additional services such as crowns and dentures that are not included in their plan. By eliminating the middle-man of insurance companies, patients have a clear understanding of what services they will receive and how much they will pay – often less than what they would owe with traditional insurance.

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Megan Lohman, Founder and Co-CEO of Plan Forward explains, "If someone is paying for an insurance premium every month but still has to pay $400 out-of-pocket for routine cleanings and x-rays, it may not make financial sense. It's time to do the math." With a membership plan, individuals know from the beginning what services are covered, including hygiene visits and fluoride treatments. Lohman encourages patients to start a conversation with their dental provider to explore this option.

For those considering reevaluating their dental insurance coverage, the time is now – before open enrollment begins. Lohman advises individuals to contact their dental provider and inquire about the possibility of a membership plan. "It's important for individuals to know all of their options," she says. "Every year, you have the opportunity to accept, change, or decline dental coverage without penalty."

To learn more about Plan Forward and their dental membership plans, visit their website at planforward.io. With open enrollment approaching, it's crucial for individuals to carefully consider all options and make an informed decision that will benefit their oral health and overall well-being.

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