1Dental Review (with Costs and Plan Details)
As we get older, we need to be more proactive about our dental care. As Medicare doesn’t cover dental, and dental insurance often isn’t included in retirement packages, it means that we will likely have to pay out of pocket for dental care when we hit those later years. For this reason, many seniors are tempted to skip their regular dental visits, even for preventative care. And this means that over time, dental issues can build-up, and can get very costly in the event serious care is needed.
But it isn’t just seniors that often run into trouble accessing great dental care. Many small businesses don’t provide dental coverage. And, many self-employed business professionals don’t have coverage either. 1Dental.com was formed as a way to bring great dental care at affordable prices to the underserved market.
Organizations such as 1Dental have sell dental discount plans that offer affordable annual premiums for an affordable annual fee. As part of the plan, participants in the plan can take advantage of discounts on routine dental and orthodontic care as well as emergency-related services. As an added benefit, participants receive free vision discount benefits too.
Who can benefit from 1Dental.com
You may be a candidate for 1Dental.com if one or more of the following scenarios align with your situation.
- Your employer doesn’t provide dental insurance
- You have dental pain, don’t have coverage, and need immediate care
- You can’t afford to pay full price for dental services
- You are concerned that you will exceed the coverage allotment in your current dental insurance plan
1Dental.com plan comparison
Dental discount plans can be extremely beneficial. Not only are they a cost-effective alternative to the more traditional dental insurance plans, but they often provide coverage for pre-existing conditions (something that your current plan won’t likely cover). These discount plans can also provide you with savings for cosmetic procedures including teeth whitening, dental implants, or veneers. If you purchase insurance coverage through the Affordable Care Act (ACA) health marketplace, you may still not have access to dental coverage, and therefore these discount programs can come in handy for those situations as well.
1Dental.com offers two types of plans.
Care 500 Plan
This plan from Careington provides the greatest savings on dental procedures. Patients can take advantage of benefits right away after enrolling. Simply print your membership card and you will have immediate access to substantial savings. If you need an unplanned extraction or other dental procedure, you will have coverage. Many services are available at a discount of 20% to 60% with this plan. All work done by a dental specialist is provided at a 20% discount. Care500 is accepted at over 100,000 dental and orthodontic providers across the United States. Additionally, Care 500 displays the exact price list based on your zip code for many of the most common dental procedures.
Dental Access Plan
This plan is supported by the Aetna Dental Access network and is larger than the Care500 Plan. With this plan, you will have your selection of almost 160,000 dental and orthodontic providers. The Dental Access Plan offers a lesser discount than the Care500 Plan, however. And, you may have to wait seven to 10 days to receive your card. So, unless your dentist agrees to accept your member ID without the presence of the physical card, you may need to wait to use your plan until after your card has been received. Dental Access discounts will vary based on provider rather than by zip code. This means that the savings you see online are just estimates for the nation as a whole. Your dentist will provide the exact savings though you can anticipate savings to average between 15% – 50%. Savings with a specialist is typically 15%.
With these plans, you will have the advantage of a stand-alone discount dental plan, little to no waiting period to receive coverage (which means you can get immediate care), and you can often include your family members on the plan.
How it works
The 1Dental website provides you with links to the provider network lists for the two aforementioned plans, Care500, and Dental Access. You can then access those sites and search for a new dental provider. You can even search to see if your current provider is part of the network. Then, the next time you go to the dentist, you present them with your dental plan membership card. You will be charged the reduced amount based on the fee schedule of the plan. You will save money with 1Dental by doing the following:
- Select a dental plan: Select a plan that works best for your particular needs. Some plans have more providers than others, yet other plans may save you more money on dental work.
- Identify and gain access to in-network dentists: The dentists in 1Dental’s network are only part of the network because they have agreed to provide patients with quality care at the discounted rates that are depicted in the fee schedules.
- Benefit from fixed prices: You pay the amount listed in your plan’s fee schedule. No more. No less.
How much can I save?
With either plan, subscribers can experience substantial savings in their dental costs. This table provides average savings across the Los Angeles, New York, Chicago, and Orlando markets to give you a basic idea of your potential savings.
|Dental Access Plan||Care 500 Plan|
|1st Time Visit||52%||70%|
|Problem Visit (Filling + Extraction)||51%||73%|
|Major Work (Root Canal + Crown)||36%||63%|
What is 1Dental?
1Dental provides alternative solutions for those who do not have dental insurance. It leverages the power of numbers and enables dentists to provide discounts because the dental providers will benefit from a larger volume of patients.
Can my dental insurance and 1Dental plan be combined?
Absolutely, yes. In this case, your 1Dental plan will serve as a supplement to what your dental insurance will not cover. You also have the option to use your 1Dental plan on cosmetic or specialty procedures like braces and dental implants that are not generally included in standard dental insurance.
Is 1Dental my best option?
To decide on the right dental savings plan for you, it is important that you understand how the plans work. You will also need to compare the memberships costs compared to your potential savings. You need to be sure you understand how the plans work and compare the membership cost to potential savings. Remember too that you will need dental care after you retire as Medicare does not provide dental benefits.
What are the cancellation terms for my 1Dental plan?
You can cancel your plan within the first 30 days after the effective date, or when you receive your membership materials. Your specific cancellation terms will apply to whichever of these scenarios is the later of the two. If within the grace period, you will be able to receive a full refund, less any applicable processing fee.
Which dental providers can I see when on the 1Dental plan?
To take advantage of the discount, you can only be seen by in-network providers. If your chosen provider has not agreed to the discounted price, you will not be able to take advantage of the discount in your savings plan. You can identify the providers that are covered by the plan by entering your zip code into the finder on the 1Dental website.
Do businesses offer 1Dental plans as part of employee benefits?
Yes, many employers do offer 1Dental plans as an added employee benefit on top of standard dental insurance. Some smaller companies offer 1Dental plans instead of a more formal dental insurance program. Providing a dental savings plan to employees is an excellent and affordable method of elevating employee benefits packages.
How long will it take for me to sign up for a 1Dental plan?
Signing up is quite easy and will only take a few minutes of your time. You can sign up over the phone by calling 1-855-290-4377 or directly on the website for the Dental Access Plan or the Care 500 Plan. When signing up, you will be asked for some basic personal information and payment details. Your health status is not considered and therefore does not influence the amount you will pay for a plan or the benefits that you will be able to receive. Once signed up, your Dental Access Plan will be ready for use in a few days. Alternatively, your Care 500 Plan will be ready to use on the same day.
Can I get my teeth cleaned with the 1Dental plan?
You can get your teeth cleaned as often as you and your dental provider feel is necessary and appropriate for your situation.
1Dental’s promises to their customers
1Dental stands behind their program and the dental providers within their network.
- Great dentists – To be eligible for participation in a 1Dental plan, dentists need to undergo a background check, participate in a five-year work history evaluation, have a state license in good standing, show limited to no malpractice suits, have the ability to write prescriptions, and have malpractice insurance.
- Teamwork – If you need help finding a provider, you don’t need to go at it alone. The 1Dental team is available to support you in finding the right provider for your specific needs.
- 30-Day cancellation – When you sign up for the 1Dental program, you have 30 days to try it out. If you don’t like it or believe you made a mistake, you can cancel and get a refund minus any applicable set-up fees.