Is platinum dental insurance worth it?
Asked by: Dr. Stefanie Schaefer | Last update: July 21, 2025Score: 4.1/5 (41 votes)
Is platinum insurance worth it?
The Platinum coverage is great and basically makes the amounts covered larger, and as Elite (or in your case Platinum) we get it for the price of Standard coverage which is nice. When you book it the system should recognize your status and automatically charge you only the Standard price.
What is the best insurance to have for dental?
- Best Overall and Best for Braces, Implants, and Older Adults: Delta Dental.
- Best Overall Cost-to-Value: Physicians Mutual.
- Best for No Annual Maximum: MetLife.
- Best for No Waiting Period: Anthem Blue Cross Blue Shield.
- Best for Customer Satisfaction: DentaQuest.
What is a platinum dental rider worth it?
For an extra $50 a month, you'll get access to dental coverage that includes: $1,500 per year for covered dental services through the Platinum Dental Rider. $0 copay for covered network preventive services such as oral exams, routine cleanings, X-rays and fluoride.
How much should I spend on dental insurance?
The premium amount may vary between different insurance companies and from plan to plan. A typical premium amount for a dental plan may be $20–$50 per month for an individual or $50–$150 per month for a family.
Dental Insurance Doesn’t Make Sense
Is it better to have dental insurance or pay out of pocket?
Dental care without insurance: The costs quickly add up
That's a lot to pay out of your own pocket. But dental insurance can help cover a big chunk of the cost. For example, if you need one crown that normally costs $1,200, your dental plan's negotiated fee with network dental clinics could be reduced to around $900.
What is a good maximum for dental insurance?
Annual maximums typically range between $1,000 and $2,000 – and most people never reach this amount in their benefit period. According to the National Association of Dental Plans, only 2.8% of people on a PPO plan reach their dental annual maximum each year.
What is the platinum rule in dentistry?
The Platinum Rule
We don't treat you the way we want to be treated, we treat you the way YOU want to be treated. That's why we call this the “platinum” rule, because your needs always come first.
Is platinum good for your teeth?
Aside from its use in cars, platinum has maintained its place in the jewelry world because of its sophisticated appearance. The durability of platinum has also proved worthy in the dental profession as many technicians like the strength it provides to crowns and bridges.
What are the cons of dental insurance?
Aside from cost concerns, other cons include limited coverage or policies that have annual limits on reimbursements. Additionally, some plans may require premium payments that are higher than what is necessary for providing the desired level of care.
How can I fix my teeth if I don't have money?
- Nonprofit clinics. Some cities have dental clinics that specifically serve people with low incomes, no insurance, or who otherwise can't afford care.
- Donated services. Some state or national charities use donated labor and materials to give free care. ...
- Private dentists.
Is platinum worth the extra money?
As we've already detailed, platinum is a low-maintenance metal, making it a better-value investment in the long run despite the initially high price. It also manages to maintain its color naturally and without much upkeep, which allows for the metal to age beautifully.
What does platinum coverage cover?
Glass, lenses, light bulbs or lamps, tires, wheels, wheel covers, hard and soft trim, weather strips, convertible or vinyl tops, moldings, bright metal, sheet metal, body panels, body parts, bumpers, chassis frame, cross members, body rails, body hinges, carpet, upholstery/headliners, paint, belts and hoses, exhaust ...
How much is a platinum plan?
How Much Does a Platinum Plan Cost? In 2021, the average premium for an ACA platinum plan is $709 per month for a 40-year-old person. Deductibles for platinum plans with a combined medical and prescription deductible averaged $0. Deductibles for plans with separate medical and prescription deductibles averaged $459.
Why do dentists use platinum?
Though it should come as no surprise, platinum is often used in dental work due to its durability. Crowns and bridges are more likely to last longer without suffering damage when composed of platinum.
What is dental platinum?
Dental Associates Platinum is an affordable dental plan for anyone who does not have any other dental coverage. Platinum helps reduce out-of-pocket dental costs significantly. It has a higher annual premium than other CarePlus plans but provides more comprehensive coverage for you and your family.
What is the Golden Rule of platinum?
While the Golden Rule encourages individuals to treat others as they would like to be treated themselves, the Platinum Rule recognizes the importance of individual differences and enables people to adapt their behavior to meet the unique needs and preferences of others.
What is a good deductible for dental insurance?
The deductible is the amount of dental expense for which the beneficiary (i.e., patient) is responsible before a dental plan will assume any liability for payment of benefits. The deductible may be an annual or one-time charge, and may apply to an individual or a family. $50 is still the most common deductible.
Does dental insurance cover implants?
Some insurance policies list dental implants as cosmetic procedures, which can limit your coverage options. There are, however, cases when dental insurance picks up a portion of your procedure, like the post and abutment placement, which can cover 45% of the total cost. So, in short: it primarily depends on your plan.
Is deep cleaning covered by dental insurance?
Does dental insurance cover deep cleaning cost? Yes, many dental insurance plans cover deep cleaning procedures, also known as scaling and root planing, as a preventive measure to treat gum disease. However, coverage may vary depending on your specific insurance plan and the severity of your condition.
Can I scrape plaque off my teeth?
Plaque removal is essential for good oral health, and you can safely remove – and prevent – plaque from forming. But you don't want to risk dental mishaps by using a plaque scraper at home. It's best to trust your licensed dental professionals with specialized tools.
How much is teeth cleaning out of pocket?
What's the average cost of teeth cleaning in Los Angeles, CA? The average cost of basic teeth cleaning without insurance ranges from $90 to $200.