Dental Insurance Montana Alternative - Consider Dental Discount Plans in MT

Some areas of Montana have dental discount plan programs. If you live in Billings, there are plenty of discount dental plans and participating dentists, but in cities like Helena, coverage is limited.

Dental discount plans help you save money on your dental bills. Rather than paying high monthly premiums, you receive extensive discounts that are arranged by the company and participating dentist. Savings of up to 70 percent are provided with most MT dental discount plans. Preventative dental care is often discounted by a larger percentage. You'll still receive discounts on orthodontia and cosmetic dental procedures, often discounts on these dental services range from 10 to 25 percent off.

What to Expect from a MT Dental Discount Plan

The average cost of a dental discount plan for individuals ranges from $105 to $145 per year. For families, the price range is $160 to $200. If you are a couple, few plans offer rates for just two people, so you may need to enroll at the family dental discount plan level.

Dental discount plans are not dental insurance. There are no deductibles, yearly maximum benefits or waiting periods. You can use the discounts as often as you want with no limitations. In addition, if you need to see a specialist, you do not need pre-approval. Simply visit a participating dentist, show the office your discount dental plan card and you'll receive the discounts automatically.

Companies offering Montana Dental Discount Plan Programs

There are a couple companies offering dental discount plans in areas of Montana. They include:

  • Alliance
  • CIGNA

Alliance offers their Alliance HealthCard Gold Card program that provides discounts of 30 to 60 percent on dental care needs. This program does not include coverage for orthodontics. It does add discounted prescriptions, chiropractic care, hearing care and vision care plans.

CIGNA offers two Preferred Network Access plans. The Dental-Only plan by CIGNA offers discounts on dental care, including orthodontia. The other plan adds prescription medication and vision discounts too.

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