Dental Discount Plans -- What's In It For Me?

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As dental discount plans continue to gain in popularity -- especially among the uninsured -- many people still aren't sure just what discount plans are, and how they would benefit by signing up for one.

In case you're wondering the same thing, here are some of the benefits.

But first, a definition:

What is a discount plan?

Dental discount plans, sometimes called discount dental plans, work by memberships.

You apply for membership with a company that offers the plan and agree to pay a monthly fee in return for deep discounts on all your dental services. The company issues you a dental discount card.

When you visit the dentist, you simply present the card to the dentist for an instant discount. Since a discount dental plan isn't the same as insurance you are responsible for paying for all services. In return, you're able to get dental care at a more affordable rate.

Typical savings range from 20% to 80% off, depending on the procedure and the plan.

In case you're wondering about the benefits of dental discount plans, here are 10 bits of information that should help.

• Instant Activation.
  When you enroll in a discount plan you can start using the plan as soon as you sign up, even before your discount card arrives.

• Dental discount plans are affordable.
  For the price of a cup of coffee a day, you can have coverage for everyone living in your household.

• Save Money.
  With a discount dental plan you can save from 20% to 80% on most dental procedures.

• Everyone is eligible.
  Since there is no age limit, anyone can apply for membership.

• No Paperwork.
  There is no paperwork to fill out and no embarrassing health questions to answer...and no insurance companies to deal with.

• No Rejection.
  If you choose the right plan, you won't be turned down because of ongoing or pre-existing conditions. Most dental discount plans accept all ongoing problems.

• Never-Ending Service.
  There is no limit on services. You can visit the dentist as often as you want. Just present your discount card each time you visit.

• All-Inclusive Service
  Discount dental plans include orthodontic (braces) and cosmetic dentistry (including teeth whitening) procedures.

• Vision, RX and Chiropractic Included?
  Some plans include prescription drugs, vision and chiropractic care--at no extra cost. (Note: Don't sign up for a plan that doesn't include these three)

• Convenient.
  You can choose the dentist of your choice in the network and you don't need a referral to see a specialist.

  The Bottom Line Is...
  If you don't currently have dental insurance, or if your current policy has a high deductible or doesn't cover certain procedures, you might want to consider signing up for a discount plan. Just make sure you're signing up with the right company.
  

  I have researched more than 30 companies that sell discount dental plans and I found one company that offers a plan that satisfies my perception of what a "good" discount dental plan should include.

  This plan includes medical, dental, vision, pharmacy and chiropractic for about $20 a month per household. I found it to be a reputable company with a great track record (I checked out their rating with the Better Business Bureau). They've been in business about 15 years.

  For more information about this plan click here.

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