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Discount Plans vs InsuranceDental patients have two options today in getting assistance in paying their dental bills, dental insurance and discount dental plans. What are the differences between the two options? Request a quote on a Discount Dental Plan for your family today! >>
PremiumsDental insurance premiums can be very expensive. Discount dental plans do not offer insurance, making discount dental plans very affordable. While dental insurance companies require high monthly premium payments, discount dental plans can be purchased with one, low cost yearly payment.
DeductiblesDental insurance policies require deductibles in addition to monthly premiums. When using a dental discount plan, you can start saving right away when visiting a participating dentist. You will not have to keep track of the amount of money you have spent towards a deductible because discount dental plans do not require you to meet a deductible before you start to receive benefits. Request a quote on a Discount Dental Plan for your family today! >>
Co-PaymentsMany dental insurance policies require co-payments after you meet a deductible. Dental discount plans offer the same discounts day in and day out without having to pay any co-payments.
Pre-Existing ConditionsDental insurance policies often limit or exclude coverage on pre-existing conditions. Since dental discount plans offer discounts, not insurance, you will not have problems having a long term dental problem treated. You will always be able to use discounts on dental care, whether from a pre-existing condition or a new issue. Request a quote on a Discount Dental Plan for your family today! >>
Availability of CoverageMany dental insurance companies do not offer individual dental plans. This makes getting good dental care very difficult for many of us. Dental discount plans are available to individuals and families as well as businesses.
Annual Maximum BenefitsMany dental insurance companies have a maximum benefit amount per year. After you use up the maximum allowable amount of benefits, you have to start paying full charges out of your pocket. Discount dental plans do not have a cap on the number or amount of discounts that you use at any time. Request a quote on a Discount Dental Plan for your family today! >>
Waiting PeriodsWhen using a discount dental plan, you are in charge of your scheduling. You will not have to wait for authorization for major medical expenditures, a requirement for many dental insurance companies. If you have a discount dental plan, you can simply schedule appointments with your dentist at your convenience.
Dental SpecialtiesDo your children need orthodontia or would you like to have some cosmetic dentistry? It is hard to find dental insurance that offers coverage for dental specialties. However, there are some discount dental packages which offer discounts on specialist dentistry that is not normally covered by dental insurance. Request a quote on a Discount Dental Plan for your family today! >>
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