So I’m way WAY overdue for some basic dental care. To give an idea, I haven’t had dental insurance since high school, except for all of a month where my dental kicked in a couple days before I got laid off – and of course every dentist I called had a waiting list at least 2 months long.
Anyway, I’ve noticed some gum recession on one tooth, and I suppose a professional cleaning might be in order before it gets much worse. (As a side note, is there anything I can do at home other than brushing daily which I always do? Is it reversible short of surgery?)
So I’m trying to find out how much this might cost me, and I run across these dental discount plans, which frankly sound too good to be true. A relatively small monthly or yearly fee, plus 60-80% off for most dental procedures. This seems like a money-loser for the plan administrators – even including the membership fee, it costs a lot less than straight-up out-of-pocket, unless I’m missing something. And what’s to stop me from signing up for a month, getting my deeply discounted cleaning, and then canceling?
So, going by “if it sounds too good to be true, it probably is,” what’s the catch I’m missing? Where’s the hidden cost? Would it make more sense to try to set aside enough to pay out-of-pocket instead?