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dental plan dental insurance plan

There are two types of dental plan:

1.Discount Plans:

Most, if not all, procedures are offered at a reduced charge that may be anywhere from 10% to 50% less than what regular dental charges are for that procedure in your area.

Typically, there are no waiting periods and no annual limits on benefits.

You must go to dentists who have joined the network. If your dentist is not a member, you would have to change dentists.

A plan like this is not insurance. It is a fee-for-service discount dental plan. As a condition of being in the list of network dentists, the dentist agrees to charge less than a dentist usually would, as specified in the network schedule of dental charges.

2.'Any dentist' insurance:
discount dental

With either of the plans above, you can go to any licensed dental provider and you are reimbursed a percentage of covered expenses.

The premium for this type of plan will be more per month than for a discount plan.

These plans have initial waiting periods and annual limits on benefits.