When it comes to dental coverage, there are many different options available on the
market, ranging from basic dental insurance coverage to PPO plans. However, one of
the most popular types of dental coverage on the market today is the discount
dental health plan.
If you’ve never heard of a discount dental plan, you’re sure to have many questions, such as: what is the difference between dental insurance and a discount dental plan? And more importantly, is a discount dental plan the right option for you? Here’s a look at the benefits, costs and highlights of a discount dental plan and whether it is the best option for your dental coverage needs.
A discount dental plan is not dental insurance. Rather, it is a plan that offers members discounts on medical services from certain health care providers. The types of discounts depend on the provider and service.
Dental insurance available on the market today isn’t what it used to be. Insurance plans have high premiums, 6-12 month waiting periods, and some don’t accept patients with pre-existing conditions. However, a dental discount plan offers members low monthly premiums, coverage even if they have a pre-existing condition, no waiting periods, no age limits, and, of course, big savings.
Under a low cost dental plan or discount dental plan, members pay a flat monthly fee in order to receive discounts on dental care procedures. Plan members can typically save 20 to 60 percent on most dental procedures, including regular oral exams, cleanings, and major procedures, such as root canal and crowns.
In addition to discounts on dental procedures, a discount dental plan provides members with access to a group of highly-qualified dentists. In fact, dentists who join the plan must meet strict credentialing requirements based on education, background, license standing and other standards.