Maintaining a person's good oral health as well as correcting dental problems as
they occur is essential to a healthy lifestyle.
Unfortunately, a growing number of Americans are finding themselves without
effective dental coverage to treat and maintain their dental health needs.
This is partially a result of businesses increasingly cutting back on dental
benefits for their employees when basic health care premiums become to costly.
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 family plans.
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
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 an individual or family looking to save money with a discount
dental plan, just enter your zip code below to find the plans available in your