How to score a discount at the dentist

(WPRI) - It's no secret that dental procedures can take a bite out of your bottom line, but now there's a way you can save big on your dental plans.

According to the National Association of Dental Plans, 97 percent of dental insurance benefits are offered through employers.

Evelyn Ireland from the NADP says, "With the economic downturn, discount dental plans are one of the only products that have been available to individuals to purchase on their own."

The plans are marketed on sites like dentalplans.com, brighter.com, and dentalsave.com, and operate similar to warehouse clubs.

Members pay a yearly membership, typically between $75 and $200.

"The dental plan negotiates the discounts with the dentist, but the dentist gets the full fee or their payment at the negotiated discounted rate from the consumer at the time of service."

The discount rate can range anywhere from 10 to 60 percent.

Many sites also offer discounts on cosmetic procedures and orthodontics.

So, is a discount dental plan for you?

Experts say to think about the coverage you need.

"It's important to note that only about 3 percent of the population that has dental benefits reaches that annual maximum," said Ireland.

Savings can also vary considerably.

"By plan, by network, by dentist, by procedure and even by zip code," said Jenn Stoll.

Experts say to call your dentist before hand to confirm prices.

"The plan's paid for itself. You know, I'd do it again in a heartbeat," said Steve Less.

About 65 percent of the dentists that are in active private practice participate in discount dental plans, so, it might be worth it to try and catch a deal on your dental plan.