How is a discount dental plan different than dental insurance?
A dental discount plan has a much smaller monthly fee than dental insurance and offers a percentage discount on fees charged by dentists who participate in the plan. A member of the plan shows a membership card to the dentist to receive the discount and pays the dentist directly.
What factors should be considered when selecting a dental plan?
When selecting a dental plan, consider:
Group dental insurance through an employer or other large group will have the best rates.
Whether the “in-network” list of dentists in your area includes your dentist
Monthly premiums, payment caps, limits and deductibles
Benefits – What’s included? Are orthodontia, implants or other services excluded?
Would a dental discount plan be more cost effective?
Do all dentists accept dental insurance?
Although most dentists accept one or more type of insurance, others have stopped accepting insurance as they grow increasingly unhappy with insurance company dictates and requirements.
What is a dental savings plan?
A dental savings plan is also known as a dental discount plan. Membership in the plan allows for discounted services at a list of approved dentists. It is not dental insurance, but a discount program.
How much does dental insurance usually cost?
Monthly dental insurance premiums are typically $20-$50 for an individual and $50-$150 for a family, but vary depending upon location and scope of coverage. Employer-sponsored plans will be less expensive than buying a plan through the independent insurance marketplace.