Discount Dental Plans vs. Dental Insurance... What are the differences?
Discount dental plans are quickly becoming an alternative to more costly dental insurance. These plans are specifically designed to provide significant savings for members’ dental care needs thereby making them an attractive option to traditional dental insurance.
Traditional dental insurance, where you choose any dentist and not one in the specified provider network, has many drawbacks including high deductibles, complicated claim forms, exclusions for pre-existing conditions, long waiting periods and many other limitations. In comparing the two, discount dental plans are more affordable, easier to use and free of the many hassles attributed to traditional dental insurance.
What are some of the major differences between dental insurance and discount dental plans?
Some of the characteristics of Dental Insurance include:
Deductibles, limitations and annual maximums
Waiting periods for major dental procedures
Time-consuming claim forms
Exclusions/limitations on pre-existing conditions
Cosmetic dentistry is rarely covered
Expensive monthly premiums
Inaccessible to individuals and families unless provided by an employer
Some of the characteristics of Discount Dental Plans include:
No yearly maximum benefits
No waiting periods on services
No claim forms
No pre-existing condition limitations
Plans include discounts on cosmetic dentistry and orthodontics
Consumers pay affordable membership fees for access to a network of providers offering discounts on most dental procedures
Available directly to individuals, families, businesses and groups
In conclusion, discount dental plans are an affordable alternative to dental insurance by offering members significant savings on most dental procedures.