Dental Insurance vs. Discount Dental Plans
Discount dental plans, designed to provide significant savings on
members' dental care needs, have quickly become an attractive
alternative to costly dental insurance.
Traditional dental insurance, once the only dental benefit option
available, features many drawbacks including costly deductibles, tedious
claim forms, long waiting periods and other limitations. On the other
hand, discount dental plans are affordable, easy-to-use and free of
these hassles.
What are some of the major differences between dental insurance and
discount dental plans?
Some of the characteristics of
Dental Insurance
include:
• Limitations, deductibles and annual maximums
• Waiting periods for major dental procedures
• Tedious and time-consuming written claims process
• Limitations/exclusions on pre-existing conditions
• Certain dental specialties, such as cosmetic dentistry, are rarely
covered
• Consumers pay expensive monthly premiums for defined coverage
• Typically inaccessible to individuals and families unless provided by
their employer
Some of the characteristics of
Discount Dental Plans
include:
• No annual limits, members enjoy discounts on most dental services all
year long
• Most plans activate within 1 - 3 business days
• No tiresome paperwork hassles, plan membership card is presented for
discounts on most
dental services
• No health restrictions
• Select plans include discounts on dental specialties, including
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 other
groups
Discount dental plans are an affordable and easy-to-use alternative to
dental insurance, and offer
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