Discounts – What’s Covered?

When evaluating dental plans, you are likely to ask “what procedures will be covered, and what kind of discounts can I expect?” While specific discounts vary from provider to provider, Dental-Options provides an overview of the typical procedures that are covered with a dental plan. Be sure to thoroughly review your options of dental plan providers, asking questions about the specifics of coverage and discounts available. When you receive your membership card, you will also receive a discount dental fee schedule that lists procedures, services, and the negotiated discounts so that you are never unsure about how much you can expect to pay. The following are some of the typical procedures covered by a discount dental plan:

• Diagnostic & Preventive – check ups, cleanings, x-rays, sealants
• Restorative – crowns, fillings
• Endodontics – root canal
• Periodontics – gum treatment
• Oral Surgery – tooth removal/extractions
• Prosthetics – dentures, bridges
• Orthondontics – braces, retainers

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Typical Coverage Options

Although the specifics of the discounts you can expect vary from dentist to dentist, at a minimum, a good dental plan should provide adequate discounts for regular diagnostic and preventive care. With affordable access to routine check-ups and x-rays, you can reduce the number and severity of future dental problems. If you do need more involved dental care, your dental plan should provide an adequate savings to lower the cost of the procedure. The three main types of procedures and services are:

• Preventive – Preventive procedures and services are necessary to maintain good oral health (exams, x-rays, cleanings, as well as fluoride and sealants for children). With affordable access to preventive services, you can minimize the possibility of developing more severe – and costly – dental problems.
  
  
• Basic – Basic procedures include various types of routine corrective treatment, versus more major dental procedures. These include “restorative” procedures such as crowns, fillings, root canals, extractions and gum treatment.
  
  
• Major – Major dental procedures are generally more involved than “basic” procedures – these include crowns, bridges, and dentures.

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How Discount Dental Plans Work

Dental plans differ from dental insurance because there is no claims paperwork to submit for payment. Instead, you pay a participating dental provider at a discounted rate that they have negotiated with the dental plan organization. Since percentage discounts vary depending on the provider, you should review the discount dental fee schedule.

Be sure to visit the Dental Options Basics Overview and Discount Plans vs. Dental Insurance pages for more details.

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