Dental Insurance vs. Discounted Dental Plans   by Jenny Gill

Dental insurance is not available for individuals and families. Is traditionally a coverage offered by employers to their employees who pay monthly premiums for fixed coverage. This kind of coverage has drawbacks - ceiling on spending, deductible or non-reimbursable issues, and waiting periods for certain kind of dental procedures, limitations and care or disease exclusions. This kind of coverage also involves submission of claims. Dental Insurance traditionally covers preventive dental services like cleaning and routine examinations at 100% after deductibles are adjusted (they may vary from $20-$50 annually per individual). However, the choice of the dentist is up to the individual and premium is about $30 a month for individuals and $100 a month for families.

Discount dental plans on the other hand offer dental benefits to everyone and are designed to give access to the dentist networks at discounted rates. They are also known as reduced fee dental plans or affordable dental plans. They are easy to join and does not involve any paperwork. Discount dental plans are generally membership programs that provide coverage on an annual basis with monthly membership fee. Consumers get secured discounts on dental services like exams, routine cleanings, extractions, root canals, fillings, dentures, and braces. They save the consumer 10-60% percent off standard fee of visiting a participating network provider or dentist.

The traditional dental insurance and discounted dental plans can also be clubbed together in certain situations to maximize savings.

Author: Jenny Gill is an international author with vast experience in a diverse range of subjects, for more information visit www.dentalinsurancesyte.com

About the Author

Jenny Gill is an international author with an immense range of knowledge and skills in a wide range of areas. Jenny is a mother and a grandmother and devotes a lot of her time supporting the aged in her community.

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