March 17, 2008 – 7:50 pm
What is the difference between a discount dental plan and dental insurance? I'll list the characteristics of each below:
Characteristics of Dental Insurance include:
Limitations, deductibles and annual maximums
Waiting periods for major dental procedures
Time-consuming written claims process
Limitations/exclusions on pre-existing conditions
Certain dental specialties, such as cosmetic dentistry, are
rarely covered
Consumers pay expensive monthly premiums for defined coverage
Typically inaccessible to individuals and families unless provided by their employer
Characteristics of Discount Dental Plans include:
No annual limits, members enjoy discounts on most dental services all year long
Most plans activate within 1 - 3 business days
No tiresome paperwork hassles, plan membership card is presented for discounts on most dental services
No health restrictions
Select plans include discounts on dental specialties, including cosmetic dentistry and orthodontics
Consumers pay affordable membership fees for access to a network of providers offering discounts on most dental procedures
Available directly to individuals, families, businesses and groups
To sum it all up, discount dental ...
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