What is a discount dental plan?
Discount dental plans are an affordable and easy-to-use alternative to dental insurance. Plan members are granted access to a large network of participating dental care providers that have agreed to offer their services at a discounted fee.
What advantages does a discount dental plan have over dental insurance?
Unlike dental insurance, discount dental plans have no annual limits, no health restrictions and no tedious paperwork hassles. Once you join a discount dental plan, you can start saving right away and some plans even offer savings on cosmetic dentistry, orthodontia and other dental specialties.
How does a discount dental plan differ from dental insurance?
Discount Dental Plan:
Insurance Policy:
* Maintains monthly premiums in exchange for established benefits
* Rarely offered to individuals
* Varying annual maximums
* Services are out-of-pocket once maximum is met
* Deductibles must be met before any benefits are paid
* After deductible, co-payment must be met
* Orthodontic treatment is rarely covered
* Waiting period may be between 6 to 24 months for major services (i.e. crown, bridge, dentures)
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