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Dental Insurance & Discount Plans - Learn how the plans differ.

Dental insurance and discount (reduced fee) dental plans are different in many ways.  With an insured plan, there are usually waiting periods and annual limits.  A discount plan on the other hand, does not have limits or waiting periods.  Most dental procedures are discounted according to a fee schedule and you pay the dentist the discounted fee for their services.

How dental insurance differs from a discount plan?

Dental Insurance

Discount Dental Plan

Deductibles, Limitations & Annual Maximums: Dental insurance has deductibles that must be met and limitations that can limit the number of dental services you receive each year. In addition, annual maximums limit the amount of dental care you can get.
Discount plans have No Deductibles or Annual Maximums! With a discount plan, you can use the plan as often as you like.  There are no annual maximums and you never pay a deductible.  
Predetermination of benefits: Some dental insurance requires that treatment estimates or approvals be submitted before dental procedures can be performed.
No Predetermination of Benefits.
Receive Dental Discounts on a variety of dental procedures including cleanings, crowns, root canals, orthodontia and more!
Claims/Claims forms: Dental insurance requires a claim to be submitted in order to reimburse dentists.
No Claims Forms: Present Your Discount Dental Card to a Participating Dentist and get Discounts on Dental Services.
Pre-existing Conditions exclusions: Many dental insurance plans limit or exclude benefits for pre-existing conditions.
No Pre-existing Conditions exclusions.
Enjoy Discounts on Procedures from Cleanings to Dental Implants with No Pre-existing Condition Limitations.
Waiting periods: Dental insurance plans often have waiting periods that require a certain amount of time pass before a member can receive a discount on a major service.
No Waiting Periods: Once You Receive Your ID Card You are Ready for On the Spot Savings!
Referrals: Many dental insurance plans require a referral to see a specialist.
No Referrals are Required: Once You Join, You Can Visit Any Participating Dentist.
Choosing Your Dentist: Most dental insurance plans allow you to use any dentist. Choosing Your Dentist: Discount plans require you to use a participating dentist. You can also change dentists at anytime.
Learn More About Dental Insurance Learn More About Discount Plans

 

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