There are some clear differences between the way in which "traditional dental insurance plans" and "discount dental plans" work. Generally speaking, dental insurance is utilized by large groups or businesses to cover their employee's 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.
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. [ Source: dental-plans.com ]
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Discount dental plans are different from traditional dental insurance in several ways. First, discount dental plans are easy to enroll in by removing the hassles and waiting periods associated with traditional dental insurance. Also, unlike traditional dental insurance, DentalPlans.com discount plans do not deny coverage based on a patient's pre-existing dental conditions. Another nice feature of our discount dental plan is there are no complicated claim forms required for usage. In addition, there are no insurance deductibles to worry about. Most importantly, there is no annual maximum benefit - you can use the plan as much and as often as needed. [ Source: dental-plans.com ]
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