What Will A Repeal Of ObamaCare Mean For Dental Coverage?

As we go through a leadership transition here in the United States there is some unknowns that we are facing as citizens. This is not a politcal blog, so where I stand on the election or where you stand is not at all relevant at this point. Just wanted to throw that out there to avoid any political based comments etc. One of the things that are unknown is the status of Obamacare. At this point there is already steps being taken to repeal the law. Which leads me to question of what will happen to dental coverage.

If you have dental insurance some big changes may coming your way. Dental coverage for your children will no longer be required to be covered by insurance companies which in return gives them the power to reduce coverage benefits or increase your premium. Similar to what they do adults even now and like they have done long before Obamacare was even a thought. Even under the Obamacare plan dental insurance has been sub-par. In reality, you have been paying more out in premiums that they will every pay out in claims. That won't change one bit and may even get worse.

If you have a dental plan, you will have no changes what so ever. The same low annual premiums and coverage that you are receiving now will not change at all. 

All more the reason to ditch you current dental insurance and join a dental plan!

Need more of a comparison between Dental Insurance & Dental Plans? Check out our comparison zone.

Tips To Understanding Your 2017 Dental Benefits

For those of you who get dental benefits at work the time is quickly approaching to renew those benefits. Which means there will most likely be changes to benefits package that is offered. I am sure that most of you do not read through the 150 page packet that you will be mailed so knowing what benefits you have and don't have will be a big surprise when you are at the dental office. Even if you did read all 150 pages, they are not very comprehensive and what information is there is not put into language that we understand.

Here are some tips to help you understand all of that insurance jargon.

1. Figure out how much are paying per month and per year. Chances are good that this is taken out of each paycheck. It may not seem like much when you break it down that way but when you look at the big picture, then you will know truly how much it is costing you.

2. Check for exclusion. Something is going to be excluded that is a given. It is important to know this information when you go to the dentist. If you need a procedure done you want to know if it is covered BEFORE you get it done.

3. Check for coverage percentages on procedures. Find out how much is covered on your cleanings, fillings, crown, root canals, extractions etc etc. They coverage will vary especially if you have not had this insurance for long.

4. Find out what your coverage cap is. If your company is offering dental insurance, then you will have a coverage cap. Usually anywhere from 1000-2000 dollars per year. You will want to know this because that amount can be easily depleted in just a couple visits. If you exceed that, then you are responsible for everything else out of pocket.

If you know these 4 things, then you will have information that you need to get a basic overview and understanding of what your coverage provides. That gives you the tools you need to compare and research to find out if that coverage is worth your investment, or if you would rather obtain coverage outside of your work. You can opt out of the dental coverage that they offer.

Don't forget to compare it a dental plan as well. Plans (like ours) offer low year rates, no exclusions, 50% off all dental work and no coverage cap.

You can compare your insurance to our plan by visiting our comparison zone.

Savon Dental Plan Is Available In The Tri-State Area!

We are pleased to announce that Savon Dental Plan is now available in the Tri-State Area of Laughlin Nevada, Bullhead City, Arizona, Fort Mohave, Arizona, Mohave Valley, Arizona and Needles, California and surrounding areas. As of right now, we have 1 provider in the area in Bullhead City, Arizona and are rapidly working to get more in the surrounding areas as well. This opens up a whole new market for us at Savon and gives us the opportunity to bring our affordable dental coverage to another smaller rural community that benefit from it greatly.

If you are a current member and are visiting that area, please know that your plan will work at any of our network providers that we get there, just as it does for all of our providers nationwide. If you live in the area, please take the time to check us out at SavonDentalPlan.com and see how much you WILL save at the dentist office.

We do have a representative that has relocated to the Bullhead City /  Fort Mohave area and is there to help with Provider and Member relations. If you would like to speak with him, you can reach him at 800-809-3494, Ext 103.