Trying to find affordable root canal services?
If you don’t already have dental insurance, you’ll discover it’s too late to get a plan that will be any help with major pre-existing conditions.
Any type of insurance is meant to help you pay for a problem that hasn’t happened yet. Expecting a dental insurance plan to help you pay for a root canal you need now, is like expecting to buy insurance for a house while it’s burning down.
A root canal is not going to be cheap. An uncomplicated procedure can cost several hundred dollars. More complex situations can cost thousands.
Dental insurance plans commonly have exclusions on pre-existing conditions and waiting periods of up to a year.
They will also have a limit on the total amount that the plan will pay in a year. Most dental insurance will pay no more than $1,000 in benefits even after the waiting period.
With these kinds of limits a dental insurance plan can be worthless.
If you need a root canal right away, instead of looking for dental insurance, you should find a good discount plan.
Discount plans for dental services are not insurance. They do not exclude pre-existing conditions or limit the amount of services you can get in a year. They can save you hundreds of dollars on very expensive services like root canals.
These plans sign dentists up to a contract where they usually agree to charge no more than a given amount for their services when a plan member comes in. Some plans are designed to offer a flat discount off of the normal prices.
When you choose a discount you will need to check the dentists who are signed up with the plan. You want to be sure that there are acceptable dentists available in your area. Check the provider list and you may find that your favorite dentist is already on the plan.
A good discount plan may cost around a hundred dollars a year for the membership, but it could save you several times the investment if you need expensive dental services right away.