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Is A Dental Plan Dental Insurance?

Jun 15, 2008
All dental plans are NOT created equally. Three of the most popular types of dental plans are individual plans, family plans, and senior plans. Discount dental plans are an ideal solution for anyone looking to save money while improving their oral health. A few dental plans are highly competitive and provide excellent dental discounts on a wide variety of dental services.

The ever increasing number of people in the United States without dental coverage, combined with the skyrocketing cost of dental care is why more and more individuals are opting for Reduced Fee for Service or Discount Dental Plans. For millions of North Americans, discount dental plans are an ideal form of dental coverage when benefits are not available through their work. While some dental plans are increasing the annual maximums, many plans have not increased maximums in years. Discount dental plans are an affordable and easy-to-use alternative to dental insurance without sacrificing quality of care.

Discount dental plans are becoming more commonplace as consumers seek to actively take control of their finances without delaying their oral health care. Contrary to popular belief, dental plans are totally different from dental insurance. Unlike traditional indemnity-based dental insurance, discount dental plans have no annual limits, no health restrictions and no paperwork. While dental plans aren't competing with dental insurance, they are the optimal solution to fill the gap of consumers who don't have dental insurance Plans.

Most dental plans provide a price list or fee schedule with the discounted dental fees and/or costs listed either on their web site or in the membership guidelines to ensure members receive the savings they were promised. Discount plans activate anywhere from the same day one signs up to 4 business days later. In a few cases you can enroll using a Secure Online Enrollment Form, print your online Membership Card immediately, then make your dental appointment and receive service all within the same day. That could be a major plus over any dental insurance when you are faced with an urgent problem.

Be aware that dental-discount plans are not regulated by state insurance departments but that doesn't mean these plans aren't legitimate. Still, you should take precautions when buying one. There can be literally a dozen or more plans in your area for you to choose from, each one with their own group of participating dentists, premiums, fee schedules and restrictions. When you make your selection from the variety of discount dental plans and dentists available, you are entitled to receive valuable savings on most dental services when you visit a participating dentists' office for your dental procedure.

The big advantage is that dental plans offer affordable memberships and are the most widely available dental programs for individuals and families. Be sure you know what services the plan does and doesn't cover before you enroll.

One thing is for sure, quality service is not comprised because it's a win-win scenario for dentists and specialists. Do your homework so there are no surprises and you will be quite pleased with the benefits of a good dental plan.
About the Author
When you are ready to compare dental plans? Take a look at Fariba Zargar's site for a few comparisons of the best dental plans.
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