dental plans
A discount dental plan, also known as a dental savings plan, is an affordable alternative to dental insurance. There is no waiting period, no deductible, and no annual
maximum benefit.
Unlike dental insurance, dental savings plans have no restrictions. They are easy to join and there is no paperwork to file and no prior approval needed. You get
discount rates on all dental services, like exams, cleanings, teeth whitening, braces, etc. You simply present your card to a participating dentist and receive a discount
on the services you need.
Dental insurance works like most medical insurance: you pay a monthly premium for coverage and the insurance pays for a portion of the procedure costs. With dental
insurance, you will have waiting periods (as long as a year or more for some services), plan restrictions, annual maximum benefits—and even exclusions on some
procedures.
How does a discount dental plan work?
Anyone can join a dental savings plan. You don’t need to be part of a company or group. A discount dental plan can be a monthly or an annual membership. As a
member, you will have secured discount rates on all dental services from participating dentists —with no waiting period and no prior approval. There are no exclusions
and no annual maximums.
How do I know if a dental savings plan is for me?
If you or your family have no dental coverage, if you are self-employed, retired or are part of a small business, a dental savings plan can be an affordable alternative to
dental insurance. Even if you have dental insurance, a discount dental plan can supplement your insurance and offer you discounts on hundreds of different procedures.
Discount dental plans are a legitimate alternative to dental insurance. Licensed plans follow strict state guidelines and, more often, offer more value than dental insurance
for individuals, families, and small employers. Dental savings plans provide an easier, more affordable way to obtain the services you need, whether for routine care,
dental emergencies, or major dental procedures.
How do you choose the affordable family dental plan that’s best for you? First, consider only plans that are licensed in your state. Licensed plans are regulated by many
states, so you can be confident that those that are licensed are legitimate and that they will provide your family with the quality dental care you expect. Consider what
kind of services your family might need and check the various plans to see which is the best match. Check to see which dentists in your area accept the plan you’re
looking at.
Once you find a family plan that meets your needs, you can be confident that you will be accepted. There are no exclusions in discount dental plans—so there’s no
need to worry about pre-existing conditions. You will be covered from the moment you sign up and you will have peace of mind knowing that you can comfortably
manage all your family’s dental needs.
~admin
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