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Discount dental plans are designed for individuals and
families looking to save money on dental care services. Participating providers
in the dental plans we offer have agreed to accept a discounted fee as
payment-in-full for services performed. As a plan member, you simply show your
membership card when visiting any participating plan provider to receive dental
services at discounted fees.
Maintaining good oral health, as well as
correcting dental problems, is essential to a healthy lifestyle.
However, a growing number of Americans are finding themselves
without effective dental coverage to treat and maintain their dental
health needs. This is due in part to businesses increasingly cutting
back on dental benefits for their employees. As a result, people
have started looking online to explore their dental benefit options.
The main question people are asking is, “What’s the difference
between Dental Insurance and Discount Dental Plans?”
There are distinct differences between the way “traditional dental
insurance plans” and “discount dental plans” work. As a general
rule, dental insurance is utilized by large groups and businesses to
cover their employee’s dental care. Dental insurance requires paying
monthly premiums for defined coverage. Dental insurance is not
readily accessible to individuals and families, unless provided by
their employer. Some drawbacks of dental insurance include annual
spending maximums, deductibles, waiting periods for certain
procedures, and limitations and exclusions on care. There are also
tedious claims forms to fill out and submit. Dental insurance
usually covers the cost of preventive services (such as cleanings
and exams) only after deductibles are met. Annual deductibles vary
from $25 to $50 per covered individual, depending on the policy. The
cost of deductibles should be considered when calculating the
overall costs associated with dental insurance. While you are able
to use any dentist, the monthly premiums for dental insurance may be
as much as $30 per month for individuals and over $100 per month for
Discount dental plans, on the other hand, are available for the
millions of Americans that do not receive dental benefits through
their work or business. Discount dental plans are designed to
provide consumers access to dental networks at reduced rates. These
plans, are commonly known as “referral” or “reduced fee” plans, and
are not considered an insured dental plan. Discount dental plans are
affordable to join and are the most widely available dental programs
for individuals and families. These discount plans work differently
than dental insurance plans, yet provide consumers with real and
substantial savings on most dental procedures. Discount dental plans
are membership-based programs that usually provide coverage on an
annual basis. Consumers pay a membership fee in exchange for secured
discounts on most dental services, such as dental exams, routine
cleanings, fillings, extractions, root canals, dentures, crowns, and
braces. These plans typically save our members 10% to 60% on most
dental procedures when visiting a participating network provider.
Most discount dental plans provide a “fee schedule” with the
discounted fees listed out in the membership materials to ensure
consumers will receive their promised savings.
While there are several differences between traditional dental
insurance plans and discount dental plans, they can also be used
together in certain situations to maximize savings. If you are
looking for group dental insurance via your business or employer,
you can visit our Group Dental Plans section. If you are an
individual or family looking to save money with a discount dental
plan, please use our “Step 1” search below to find the plans
available in your area.
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