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What is a Dental Plan?
Dental Plans are available to all Americans who are left out of the net because they are self-employed or not an employee of a big corporation. Generally dental benefits are available only to employees of companies and businesses which offer dental cover to their employees. So, what about the millions of self employed Americans or those who run their own businesses.
Discount dental plans, on the other hand, are available for the millions of Americans that do not receive dental benefits through their work or business. Discount dental plans are designed to provide consumers access to dental networks at reduced rates. These plans, are commonly known as “referral” or “reduced fee” plans, and are not considered an insured dental plan. Discount dental plans are affordable to join and are the most widely available dental programs for individuals and families. These discount plans work differently than dental insurance plans, yet provide consumers with real and substantial savings on most dental procedures. Discount dental plans are membership-based programs that usually provide coverage on an annual basis. Consumers pay a membership fee in exchange for secured discounts on most dental services, such as dental exams, routine cleanings, fillings, extractions, root canals, dentures, crowns, and braces. These plans typically save the consumer ten to sixty percent off standard out-of-pocket fees when visiting a participating network provider. Most discount dental plans provide a “fee schedule” with the discounted fees listed out in the membership materials to ensure consumers will receive their promised savings.
While there are several differences between traditional dental insurance plans and discount dental plans, they can also be used together in certain situations to maximize savings. If you are looking for group dental insurance via your business or employer, you can visit our Group Dental Plans section. If you are an individual or family looking save money with a discount dental plan, please use our “Step 1” search to find the plans available in your area.
Discount dental plans are designed for individuals and families looking to save money on dental care services. Participating providers in the dental plans we offer have agreed to accept a discounted fee as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any
participating plan provider to receive dental services at discounted fees. Note: Discount dental plans offered through DentalPlans.com are NOT insurance plans, but discount programs.
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