Some people choose not to buy dental coverage. Instead, they only pay for dental services when the need arises. This system is direct pay. People who use it agree to pay a set amount per service.
As an example, a dentist will list standard rates for dental care such as teeth cleaning, a dental exam, or X-rays. Out of those three services, the exam is usually the cheapest, while the X-rays aren’t much more. The teeth cleaning probably costs double, generally $125 or more. More expensive options such as braces and bridgework are also offered à la carte. Someone who uses direct pay has the largest dental health care expenses on a per-visit basis.
Understanding dental insurance is important. Without this knowledge, you run the risk of either overpaying for services rendered or ignoring dental care altogether. To avoid these issues, read your coverage plan documents to see what you have and what your options are.
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