Maintaining one’s oral health is essential to a healthy lifestyle. Many people are
ready to make the commitment to improve their oral health, but have a difficult
time choosing between dental insurance and discount dental plans. Our goal at DentalPlans.com
is to improve oral health nationwide by making quality dental care affordable and
accessible to everyone. With that in mind, let’s consider how the differences between
dental insurance and discount dental plans can affect you. Dental insurance policies
are typically characterized by monthly premiums, deductibles and annual maximums.
Alternatively, discount dental plans are designed to be as accessible as possible,
so they do not share any of these characteristics associated with dental insurance.
Monthly premiums for typical dental insurance policies may be as much as $30 per
month for individuals and more than $100 per month for family plans. Instead, the
discount dental plans provided by DentalPlans.com are much less expensive and can
be paid annually. Discount dental plans start at only $79.95 a year per individual
and only $129.95 a year per family.
Usually, insured individuals must meet their deductible before their dental insurance
companies begin to cover their dental care, so the cost of deductibles should be
considered when calculating the overall costs associated with dental insurance.
Annual deductibles can vary from $25 to $50 per covered individual, depending on
the dental insurance policy. On the other hand, discount dental plans do not have
deductibles. Instead, discount dental plan members pay an annual membership fee,
allowing them to pay discounted rates at participating dental providers at the time
services are rendered.
The majority of dental insurance plans cap the amount of reimbursement to an annual
maximum that is usually $1,000 to $1,500 per year. The insured individual is responsible
for any costs incurred after that. Discount dental plans do not have annual limits.
Plan members can use their discount dental plans as often as they’d like. There
is no limit to the amount of money members can save by using their discount dental
Individuals with dental insurance policies often complain about the time-consuming
bureaucracy they are forced to face, including written claims procedures, exclusions
on pre-existing conditions, and waiting periods for major procedures. Alternatively,
the easy-to-use discount dental plans found on DentalPlans.com are designed to save
members time and money.
Most dental insurance policies require their members to go through a tedious written
claims process every time they use the service. There are no tedious paperwork hassles
with discount dental plans; discount dental plan members simply present their plan
membership card to participating providers at the time of service to receive discounts
on most dental procedures.
Dental insurance plans will frequently refuse to cover certain procedures or impose
long waiting periods. For example, many dental insurance policies have exclusions
on pre-existing conditions and may require a 6 to 18 month waiting period before
paying for major dental treatment. Conversely, most discount dental plans are free
of these limitations and activate within 3 business days, allowing plan members
to join and start saving on their dental care as quickly as possible. Additionally,
select discount dental plans offer significant savings on dental specialties, such
as orthodontics and teeth whitening, while dental insurance policies very rarely
cover these procedures.
The rising cost of insurance premiums makes dental insurance inaccessible to many
individuals and families unless it’s provided by their employers. The cost-effective
discount dental plans offered by DentalPlans.com are an accessible alternative to
costly dental insurance available directly to individuals, families, businesses
and other groups. Discount dental plans are an easy, flexible way for businesses
to save time and money on valuable dental care for their employees. Also, unlike
many dental insurance plans, discount dental plans do not have a minimum participation
policy for employees or their dependants. Despite the differences between traditional
dental insurance and discount dental plans, they can even be used together in certain
situations to maximize savings.
DentalPlans.com is devoted to helping America access quality dental care and save
money in the process. In short, discount dental plans are an affordable and easy-to-use
alternative to dental insurance, and offer plan members significant savings on most
dental procedures. We proudly offer the freedom to choose from an extensive selection
of discount dental plans designed to save members money on their dental care needs.
We hope that our discussion of the major differences between dental insurance and
discount dental plans has answered your questions and addressed your concerns. If
you need any additional assistance, please click here
to contact one of our helpful Customer Service Representatives.
If you would like to start saving money on quality dental care, please use our “Step
1” search below and discover how we keep thousands of satisfied members smiling.