If you are without dental benefits, rest assured that affordable coverage is available through a discount dental plan. Inexpensive dental care is provided through a dental plan membership – simply present your card at the time of service and enjoy deeply discounted rates as determined by a discount fee schedule. With a dental plan membership, discount dental procedures offer significant savings over traditional dental insurance.
The following chart illustrates the differences between each type of plan:
| |
Discount Dental Plan |
Dental Insurance |
|
| Coverage for cosmetic procedures |
Cosmetic procedures (including whitening or bonding finishes) are available at discounted rates |
Cosmetic procedures generally are not covered |
| Waiting period |
Dental plans are effective immediately |
Often a waiting period of 6 months (up to 18 months in some instances) is imposed before coverage begins |
| Cost |
Low monthly or annual “membership fee;” very affordable alternative to insurance |
Can be pricier than a discount dental plan |
| Participating dentists |
Must visit a participating dentist to receive a discount; depending on the area, there are many to choose from |
Must visit dentist “in network” to receive benefits |
| Payment |
Payment made directly to dental provider at deeply discounted rate (up to 60 or 70%), depending on procedure |
Insurance company makes payments directly to the dental provider; requires paperwork and submitting a claim |
| Limits |
No limits on services or visits |
Coverage typically limited to a certain number of visits, depending on procedure |
| Specialist visits |
Discount plan members can see any specialist who provides discounted fees |
Generally, insurance companies require that your primary dentist refer you to a specialist; coverage may or may not be provided |
| Deductibles |
Generally no deductibles |
A deductible amount is often required |
| Co-pays |
No co-pay required |
Co-pay typically due at time of service |
Again, it is important to note that discount dental plans are different from dental insurance, putting the responsibility for payment squarely on the dental plan member. Payment is made out-of-pocket at a significant savings (as listed on the discount fee schedule). For additional information about specific dental plan providers, including Aetna, GE, UNI-CARE and more, visit the Products and Solutions page.
Protect your smile and your budget with a Discount Dental Plan >>
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