Dental insurance at one point was the only available option. That was until the birth of Consumer Driven Healthcare and in other words Discounted Dental Programs. Dental insurance comes with its drawbacks though of high monthly premiums, 6 to 12 month wait periods for major work only covering preventative care during this time.

Discounted Dental Plans were designed to offer great savings without the hassel's of insurance, offering members significant INSTANT savings with a low monthly membership fee.

So what is best for the needs of your family? Let's compare the two and see how they differ to see if a Dental Insurance or a Discounted Dental Program would be best for your needs.

Characteristics of Traditional Dental Insurance Include:

Limitations, deductibles and annual maximums

Waiting periods for major dental procedures

Tedious and time-consuming written claims process

Limitations/exclusions on pre-existing conditions

Certain dental specialties, such as cosmetic dentistry, are rarely covered

Consumers pay expensive monthly premiums for defined coverage

Typically inaccessible to individuals and families unless provided by their employer

Characteristics of Discount Dental Plans Include:

No annual limits, members enjoy discounts on most dental services all year long

Instant Savings

No paperwork hassles, plan membership card is presented for discounts on most dental services

No health restrictions

Plans include discounts on dental specialties, including cosmetic dentistry and orthodontics

Pay affordable membership fees for access to a network of providers offering discounts on most dental procedures

Available directly to individuals, families, businesses and groups

Discount Dental Plans are a great alternative to your traditional insurance offering instant savings without the normal wait period. When you review the difference and you begin to educate yourself you will find that getting access to a Discounted Dental Program can save you hundreds of dollars a year.

When reviewing the price of Traditional Dental Insurance for an Individual + Family the monthly premium averaged from $94.00 to $108.00 a month with an annual maximum of $1,000.00 with a $50.00 deductible vs. your average monthly cost of a Discount Dental Plan at $20.00 for an entire household so you can see the immediate savings there.

Discounted Dental Programs have helped thousands of people save money on their Dental needs and normally include discount services for Vision, Prescription and Chiropractic care at no extra cost in their membership.



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