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 or reduced fee dental plans are designed for individuals, couples, and families looking to save money when visiting the dentist. All general dentists participating in discount dental plans have agreed to accept a lower fee, than they would normally charge, as payment in full for each service performed. Each discount dental plan comes with a membership card and a complete list of all dental procedures covered and what the discounted price will be. Discount dental plans are also know as “referral plans” due to the fact they generate new patient referrals to dental offices. [ Source: dental-plans.com ]
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