 |
      |
||||
Dental Plans
Review of Dental PlansDiscount dental plans Featured plan for your area: Preferred Network Access Aetna Dental Access Protective Dental Plan GE Wellness Plan GE Wellness Plan (Dental Only) Patriot Plan Affordable Family Health Services UNI-CARE 200 Discount Dental Plan Dentemax Discount Dental Plan Dent-All Plan, Inc. Nationwide Program Dental Network of America / DNOA Select UNI-CARE 100 Discount Dental Plan Review of Dental PlansDiscount Dental Plans vs. Dental Insurance Maintaining good oral health, as well as correcting dental problems, is essential to a healthy lifestyle. However, a growing number of Americans are finding themselves without effective dental coverage to treat and maintain their dental health needs. This is due in part to businesses increasingly cutting-back on dental benefits for their employees. As a result, people have started looking online to explore their dental benefit options. The no.1 question people are asking is, Whats the difference between Dental Insurance and Discount Dental Plans There are distinct differences between the way traditional dental insurance plans and discount dental plans work. As a general rule, dental insurance is utilized by large groups and businesses to cover their employees dental care. Dental insurance is considered true insurance where monthly premiums are paid for defined coverage. Dental insurance is not readily accessible to individuals and families, unless provided by their employer. Some drawbacks of dental insurance include annual spending maximums, deductibles, waiting periods for certain procedures, and limitations and exclusions on care. There are also claims forms to fill out and submit. Dental insurance usually covers the cost of preventive services (such as cleanings and exams) at 100pct. after deductibles are met. Annual deductibles vary from USD 25 to USD 50 per covered individual, depending on the policy. The cost of deductibles should be considered when calculating the overall costs associated with dental insurance. While you are able to use any dentist, the monthly premiums for dental insurance may be as much as USD 30 per month for individuals and over USD 100 per month for family plans. 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. Review of Dental PlansPlans offered by DentalPlans.com are not dental insurance policies and the plans do not make payments directly to the providers of dental services. The plan member is obligated to pay the dentist for all the dental care services that he or she will receive, but, he or she will receive a pre-negotiated discount from the dentists listed as providers in the network in accordance with the specific pre-negotiated discounted fee schedule. The dental plans provide discounts at certain dentists for dental services. Review of Dental PlansThe American Dental Plan is a discount or reduced-fee dental plan. This plan is designed for health conscious consumers looking to maintain their oral health and minimize their dental care expenses. General dentists who participate in the American Dental Plan have agreed to accept a discounted fee as payment in full for each service performed *. These discounted fees are up to 60pct. less than what a dentist would normally charge. A sample table of American Dental Plan discounted fees can be found below. Review of Dental PlansIndividual and Family Dental Plans
|
|
||||
