Dental Insurance
Dental insurance works in much the same way that medical insurance works. For a specific monthly rate (or "premium"), you are entitled to certain dental benefits, usually including regular checkups, cleanings, x-rays, and certain services required to promote general dental health. Some plans will provide broader coverage than others and some will require a greater financial contribution on your part when services are rendered. Some plans may also provide coverage for certain types of oral surgery, dental implants, or orthodontia.
In addition to dental insurance, we offer Dental Discount Cards. Although these cards are not a form of insurance, they will provide you with discounts for dental services when you visit a participating dentist.
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Key Differences |
Dental Insurance |
Dental Discount Cards |
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Who pays for services |
You pay monthly premiums, deductible and co-pay/coinsurance (see below); the insurance company pays dentist directly for remainder of charges. |
You must pay the dentist directly at the time dental services are rendered. The Discount Card does not pay any money to the provider. You also pay a monthly membership fee to the discount program in exchange for discounted rates at participating dental providers. |
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Discounted Rates at Selected Providers |
PPO plans have pre-negotiated discounted rates with selected providers.
Indemnity plans allow you to see any dentist, and, as such, do not have discounted rates at selected providers. |
Dental Discount Cards offer discounted rates at participating dental providers.
Note: Dental Discount Cards can be used in conjunction with Dental Insurance Indemnity plans. |
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Deductible |
Typically has a deductible, i.e., insurance company may not start paying for services until your dental expenses reach a certain dollar amount. |
No deductible -- discounts are available at first visit to dentist. |
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Co-Pay/Coinsurance |
After deductible is met, you may need to pay a nominal amount (e.g., $10) per office visit or a percentage (e.g. 20%) of the cost of a larger procedure. Insurance company typically pays for remainder of charges. |
Not applicable to Dental Discount Cards. For a given service, participating dentists will charge you the contracted discounted rate that has been pre-negotiated. |
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Waiting Period |
Many dental insurance plans require you to be a policyholder for 6 to 18 months before paying for major dental services. |
No waiting periods apply. |
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Annual Maximum Benefit |
Most dental insurance plans will only cover up to certain amount per member per year (e.g., $1,000). After that cap is reached, you are responsible for all dental expenses. |
Not applicable to Dental Discount Cards. You and your family members can use your discount program membership as often as you need. | |
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Discount dental plans are designed for individuals, families and groups looking to save money on their dental care needs. Participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive dental services at discounted fees. |
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| Why Join a Discount Dental Plan with DentalPlans.com? |
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Joining a discount dental plan will allow you to save money on quality dental care. Protect and preserve your family's smile and overall health with one of our popular family plans. Our qualified Customer Service Representatives will assist you in finding the right plan and participating provider in your area.
Some of the many benefits of our discount dental plans include:
• Savings of 10% to 60% on most dental procedures
• Choose from 100,000+ participating dentists in more than 30 combined regional and national dental networks
• Immediate online enrollment and quick plan activation
• Easy-to-use search tools and plan comparison charts
• Qualified Customer Service Representatives to assist you
• No unnecessary paperwork hassles
• Discounts on dental specialties available with most plans
• No health restrictions
These are just a few of the ways we save America money on quality dental care … one smile at a time! |
> Click Here and take the first step towards a healthier smile!
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Discover the advantages of DentalPlans.com, the definitive online source for superior savings, service and selection on quality discount dental plans. Start saving today and receive 3 additional months free when you join one of our affordable discount dental plans starting at only $79.95 a year! | |
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• Save 10% - 60% on most dental services
• Plans starting at $79.95 per year
• No paperwork hassles
• 30-day refund policy
> Click Here & Start Saving! | | 
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