| DISCOUNT DENTAL PLANS
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| | - Most plans activate right away, within
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| A dental discount plan may be an
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| | 1 to 3 business days, and have no waiting
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| attractive and affordable alternative to
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| | periods!
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| dental insurance. Some people who already
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| | - No tiresome paperwork hassles, plan
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| have dental insurance find that they save
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| | membership card is presented for
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| even more by adding a dental discount
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| | discounts on most dental services
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| plan too. They are usually very
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| | - No health restrictions and no age
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| affordable, do not have waiting periods,
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| | restrictions.
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| and often cover many procedures -- like
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| | - Select plans include discounts on
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| cosmetic and orthodontics -- that
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| | dental specialties, including cosmetic
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| traditional dental insurance will not
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| | dentistry and orthodontics
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| cover!
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| | - Consumers pay affordable membership
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| DENTAL INSURANCE
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| | fees for access to a network of providers
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| Traditional dental insurance has some
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| | offering discounts on most dental
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| drawbacks. With expensive premiums, high
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| | procedures
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| deductibles, and low yearly maximums, it
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| | - Available directly to individuals,
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| may be hard to see how a dental insurance
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| | families, businesses and groups Many
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| plan saves much money at all. Many dental
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| | families who have dental insurance at
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| insurance plans will offer generous
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| | work find that they have more
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| coverage on routine care like checkups,
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| | flexibility, and save more money by
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| cleanings, and simple x-rays. However
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| | adding a dental discount plan! This is
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| those services are usually fairly
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| | because the discount dental plan may
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| inexpensive anyway.
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| | cover services that dental insurance does
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| When a family needs more coverage, they
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| | not cover. The dental discount plans use
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| may find that their out of pocket costs
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| | a huge network of US dentists, and so
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| surprise them. Complex fillings and
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| | some families find it easier to find a
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| crowns usually still require large
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| | nearby dental provider too.
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| copayments, and many dental insurance
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| | Dental plans make it easy to find
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| companies do not even cover orthodontics,
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| | dentists! They have simple online
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| cosmetic work, or dentures at all!
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| | searches, by zip code or dentist name.
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| Some of the problems with many Dental
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| | You can find out if your current dentist
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| Insurance Plans include:
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| | accepts the plan or find a new dentist in
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| - Limitations, deductibles and annual
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| | your area.
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| maximums
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| | Many families who do not have dental
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| - Waiting periods for major dental
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| | insurance at work will put off routine
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| procedures
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| | dental care because they are concerned
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| - Tedious and time-consuming written
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| | about the cost. However, this is never a
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| claims process
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| | good idea. If a person neglects regular
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| - Limitations/exclusions on pre-existing
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| | checkups and cleanings, worse problems
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| conditions
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| | will develop in the future. Many discount
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| - Certain dental specialties, such as
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| | dental plans even offer free, or very
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| cosmetic dentistry, are rarely covered
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| | inexpensive, routine care like checkups,
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| - Consumers pay expensive monthly
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| | cleanings, and x-rays.
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| premiums for defined coverage
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| | Some dental plans also offer other
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| - Typically inaccessible to individuals
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| | medical discounts. They arrange special
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| and families unless provided by their
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| | deals with vision care providers,
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| employer Some of the characteristics of
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| | pharmacies, vitamin stores, and other
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| Discount Dental Plans include:
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| | outlets for health needs. With dental
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| - No annual limits, members enjoy
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| | plans costing a few dollars a month, most
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| discounts on most dental services all
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| | will do more than pay for themselves!
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| year long
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