A discount dental plan calculates what a dentist spends in cost of advertisement to retain a patient, billing the insurance company, and waiting time for the insurance company to reimburse his or her practice (usually 5 months before the dentist gets paid by the insurance company). When you subtract these expenses for a dentist, you come to a dollar figure for each dental procedure that is reduced or “wholesaled” to the consumer. So the dentist isn’t really giving you a discount, but instead they are agreeing to abide by the calculated net profit they would make on an insurance patient without the cost of advertising, billing the insurance company, and waiting for reimbursement to their practice. We offer you, the consumer, the “wholesaled” price for all your dental needs in the year without dollar limits, age limits, or pre-existing conditions at a fraction of the premiums you would be paying an insurance company.
You and members of your family, or your dependants are eligible, including children under the age of 19 or full-time students to the age of 23 and unmarried. Dependents are defined as a lawful spouse and your unmarried children from birth to 19 years of age, but under 23 years of age attending an educational institution and mentally or physically challenged children living with parents regardless of age.
The reduced or "wholesaled" cost is usually a savings of 60% off what the usual customary rate is. Usual customary rates are a standard for what insurance companies pay for dental procedures from state to state. Our benefits schedule shows the usual fees vs Smile Bright member’s fee so you know exactly what the savings are for each procedure.
If you are in need of more dental work than your insurance will pay for in a year, your out of pocket costs would be reduced by 60%. For example, if you need $3,000 worth of dental work and your insurance maxes out at $1,500 for the year, your out of pocket cost would be $1,500. With Smile Bright Dental Plan coverage, your out of pocket costs would be reduced to approximately $600.
It is in my interest to see the consumer receive the best quality service, because if you don’t like the dentist, it doesn’t matter what the savings are. After 16 years of being in business I understand the only way to retain members is to build a relationship with the dentist and the patient. If I can accomplish this, you will stay with Smile Bright for years to come. Therefore, it is our vested interest to make sure that all our providers are American Dental Association dentists, have no malpractice suits on their record, and that they have owned their practice for a minimum of three years. These requirements exclude more than half the dentists in Arizona.
Most of our competitors focus on the number of dentists they have and because of that they constantly have a heavy turnover of dentists. This means you run the risk of of a poor quality dentist. We focus on keeping a smaller but controlled number of dentists and in fact have not had a dentist drop off our plan in over five years. We strive to keep our dentists satisfied and we pay attention to their needs, because if they are happy, you will receive the finest treatment, which is ultimately our goal to keeping you as a client for years to come.
If you join in Arizona and move throughout the year, your coverage will continue in any state until your plan expires.