A dental discount plan is not insurance but a membership program offering 10-60% discounts on dental services at participating providers for an annual or monthly fee.
Dental discount plans typically cost $80-$200 per year for individuals or $120-$300 for families, significantly less than traditional insurance premiums.
Insurance pays a portion of costs after premiums and deductibles. Discount plans provide reduced rates but you pay the discounted amount directly to the dentist.
Discount plans can be worth it if you need immediate care, have no waiting period tolerance, need services insurance does not cover, or want to supplement existing coverage.
No, dental discount plans have no waiting periods. You can use discounts immediately after enrollment for any covered procedure.
Discount plans offer savings on virtually all dental procedures including preventive, basic, major, cosmetic, and orthodontic services.
Generally no, you cannot combine discount plan savings with insurance benefits for the same procedure. Choose whichever offers better value per service.
Each discount plan has a network of participating dentists. Search the plan provider directory online or call to verify acceptance before your visit.
Yes, reputable dental discount plans are legitimate money-saving tools. Look for established companies, clear fee schedules, and large provider networks.
Top dental discount plans include DentalPlans.com, Cigna Dental Savings, Aetna Dental Access, and Careington. Compare networks and discounts in your area.