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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Discount dental plan

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: My health plan offers an optional dental discount card that is not part of the insurance policy but can be purchased separately. Is it a good deal?

A: While discount cards do save money for most typical households, it is important that you not overpay for such discount plan or else your savings are directly diluted by the cost of the discount membership. It often makes sense to purchase a discount plan membership separately from your health insurance. See for a top-quality dental discount plan that costs about $109 per year for the entire household. A combination medical/dental/Rx plan costs about $159 per year. This is probably the best value in dental discount cards available from a strong national network of dentists. The other factor to consider is whether there are enough good dentists in your neighborhood who participate in the PPO discount pricing plan. Use the “find a provider” link at the site listed above to check out dentists in your neighborhood.


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