Good dental health, as well as correcting dental problems, is essential to overall health. Many Americans are finding themselves without effective dental coverage to treat and maintain their dental needs. This is due in part to businesses increasingly cutting-back or offering inferior dental coverage for prices many can’t afford. So what are people to do? As a result, people have started looking for alternatives for their dental coverage needs especially online. The #1 question people are asking is, “What’s the difference between Dental Insurance and Discount Dental Plans?”
There are distinct differences between the way dental insurance plans and discount dental plans work. Usually, dental insurance is used by large groups and businesses to cover their employee’s dental care. Dental insurance is true insurance where monthly premiums are paid for defined coverage. Dental insurance is not readily available to individuals and families, unless provided by their employer. The pitfalls of dental insurance include annual benefit maximums, deductibles, waiting periods for procedures, and limitations and exclusions. There are also claims forms to fill out and submit. Dental insurance a lot of times doesn’t even cover the cost of preventative measure until deductibles are met. You are able to use any dentist but the monthly premiums for dental insurance may be as much as $30 per month for individuals and over $100 per month for family plans.
Discount dental plans or “fee for service” plans, on the other hand, are available for everyone whether or not you are covered by a group plan. Fee for service plans are designed to provide clients dental networks at reduced rates or better yet, pay a certain amount and only that amount for services performed. Discount dental plans are affordable 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 most 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. Gulf Breeze Insurance Inc. offer both plans but prefer to off the fee for service plan for the basic fact our clients like to save money and most need dental coverage now with no waiting period or stipulations on the money they spend. The fact that you know exactly what you are getting and saving is enough to prefer these plans over any other. Many dentists will even tell you at the time you checkout how much you have just saved.