What is the difference between Discount Dental Care Plans and traditional Dental Insurance?
Author: Chris Maley
Discount Dental Care Plans offer reduced fees for individuals and families looking to save money on dental care services. Most discount dental care plans allow you to visit any participating dentist in their network and receive treatment at a reduced fee. All of the dental care providers participating in a discount dental care plan have agreed to accept these discounted fees as total payment in full for each service performed. When visiting these dentists, this reduced fee is usually 10 to 60% off their customary or regular fees normally charged by the provider. Most discount dental care plans offer these discounts off of providers of general dentistry, dental care specialists, orthodontics plus many include prescription drug, vision and hearing care providers as well.
A discount dental care plan is different in several ways from traditional dental insurance. There is not normally any waiting period, pre-existing condition exclusions, time sensitive enrollment windows or dental forms that have to be submitted for reimbursement like traditional dental insurance plans. Your traditional dental insurance plan will normally require up front deductibles paid at the time services are performed before insurance coverage takes effect and maximum benefits are usually capped at a set amount. The consumer will normally find traditional dental insurance designed more for businesses and larger groups where the discount dental care plan has come about more to offer dental services covering individuals and families.
Both types of dental coverage usually encourage and create incentives for regular dental checkups and oral hygiene. The regular 6 month dental check up being offered at no charge to the consumer normally apply more for your traditional dental care plans, but are being quickly embraced by discount dental care providers much the same to provide good service for their patients. Since both types of dental coverage are offered through networks of dental care providers and much of the time the same provider network you can normally find your regular dentist on either type of plan. If fact, since these types of discount dental care plans have risen to recent popularity many of your traditional insurance providers are now offering some form of discount plan along side their more traditional plans.
Chris Maley is the Publisher of a consumer discount information website. Spreading awareness to consumers on top rated companies offering true discount plans in several categories like Discount Dental Care Plans. This information is free of charge through DiscountShoppingNews.com....