DENTAL INSURANCE vs. DISCOUNT DENTAL PLANS

Differences between paying dental insurance premiums compared to becoming a member
of an established Discount Dental Plan.

DENTAL INSURANCE

Limitations, deductibles and annual maximums.
Waiting periods for major dental procedures.
A time-consuming written claims process.
Limitations or exclusions on pre-existing conditions.
Expensive monthly premiums for defined coverage.
Typically inaccessible to individuals and families unless provided by their employer.

Dental Insurance policies are generally characterized by high premiums, deductibles and annual maximums. Monthly premiums for dental insurance policies may be as much as $35 per month for individuals and $135 plus per month for family plans.

Typically, insured individuals must meet a deductible amount before their dental insurance company begins to cover their dental care. The cost of these deductibles needs to be considered when calculating the overall costs associated with dental insurance. Annual deductibles can vary from $25 to $50 per covered individual, depending on the dental insurance policy.

The majority of dental insurance plans usually cap the amount of reimbursement to an annual maximum of $1,000 to $1,500 per year.

Individuals with dental insurance often complain about claim form procedures, exclusions on pre-existing conditions and waiting periods for major procedures.

Dental insurance plans will frequently refuse to cover certain procedures or impose long waiting periods. For example, many dental insurance policies have exclusions on pre-existing conditions and may require a 6 to 18 month waiting period before paying for major dental treatment.

The rising cost of insurance premiums makes dental insurance inaccessible to many individuals and families unless it’s provided by their employers.

DISCOUNT DENTAL PLANS

No annual limits on use or savings.
Most plans activate within 3 business days (CAREington offers immediate activation).
No paperwork hassles – plan members simply present their membership card.
No health restrictions – no need to wait for dental treatments.
Consumers pay an affordable membership fee for access to a network of dentists.
Available directly to individuals, families, businesses and other groups

Discount Dental Plans are designed for individuals, families and groups wanting to save money on their dental care. Participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting your plan's participating provider.

Discount Dental Plans are a practical, affordable, and easy-to-use alternative to Dental Insurance.

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DENTAL INSURANCE vs. DISCOUNT DENTAL PLANS

Differences between paying dental insurance premiums compared to becoming a member of an established Discount Dental Plan.