The importance of dental insurance cannot be taken for granted. But taking out dental insurance policies can cost you a bit of money. A cheaper and efficient alternative would be a discount dental plan. The biggest difference between dental insurance and discount dental plans is that insurance will cover costs for different minor as well as major procedures while dental plans offer discounts only on certain procedures or treatments.
Discount dental plans provide the policy holders with discounts ranging from 15% to 80% on most procedures. When you sign up for a plan, you will receive a list of dentists who will offer their services to you at this cost. Every time you are in need of their services, you will have to choose a dentist from the provided list and inform him that you will be visiting his clinic with your dental plan card.
Unlike dental insurance plans, discount dental plans have no annual limits. They do not even carry any deductibles, which makes them a worthy investment. A relatively low membership fee will have to be paid every month when you go for dental services. All you have to do is to call up a dentist from the list, book an appointment, and present your card to receive impressive discounts on dental procedures.
The best part about a discount dental plan is that the amount of money you pay each month towards fees will remain stable and will not increase for a particular period of time. Usually, such a guarantee is given for two years. Dental plans offer discounts on teeth bleaching and tooth bonding as well.
While discount dental plans are not insurance plans, the monthly fees may be considered as premiums similar to the ones paid in insurance plans. However, it is not so as it is more of a membership fee that makes you part of a discount club. Discounts can be received as long as the membership fees are paid. Some plans also offer cash back guarantee – something that can never happen in dental insurance plans. As soon as you receive your dental discount plan, you are free to start using it to get your oral problems resolved.
Before you choose a discount dental plan, you should be given a fine print of the entire service coverage you will receive while you are enrolled in the plan. The limitations as well as exclusions of the plan will also be detailed in the written document. All you have to do is read the fine print thoroughly before you select the best plan for yourself.
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