Health Insurance In-Depth Home      

Do You Qualify For A Subsidy?

Find out if you qualify for a government subsidy under Obamacare. Millions of Americans will have their insurance rates reduced under the new health care law. Learn how much you could save with our simple calculator.

home > discount dental plans

Choosing Among Discount Dental Plans

Discount dental plans help make maintaining good oral health a lot more affordable. And, with no waiting periods or complicated coverage procedures, dental plans are about as simple as you can get.

This page:

  Describes how dental plans work

  Lists the major pros and cons of dental plans

  Gets you instant dental plan quotes online

warning Quick note: Dental plans are not insurance, they're discounts. Looking for a traditional policy? Then visit our page on dental insurance.

Find out how much YOU can save with a discount dental plan

Find out more about discount dental plans, and get a instant online quotes from the leading providers in the country. Fill out just one quick form, and you'll be able to compare savings immediately.

Enter your ZIP Code to get started:

How discount dental plans work

As social awareness about oral health has risen, so has the demand for affordable dental care. Discount dental plans are the newest option for those without coverage.

These dental plans are much cheaper than traditional dental insurance, and also offer equal coverage for all dental work, even cosmetic procedures not covered by standard indemnity dental plans.

The hitch is that dental plans are not really insurance at all. They work more like club memberships, where the cost of membership (your "premium") earns a steep discount on any club service (dental work) you buy. The discount applies to all dental services performed by an approved dentist, but no procedure is covered completely.

The ins and outs of discount dental plans

When it comes to dental plans, the good news is afford ability, breadth of services, and immediate coverage. The bad news is greater financial risk and responsibility.

Here's why. Although the monthly cost of most discount dental plans is very low compared to the price of a traditional dental insurance policy, there's more overall financial risk with a dental plan. No care is totally covered, so an expensive procedure will mean a big out-of-pocket expense, even with the dental plan. And even when undergoing a low-cost service (like cleaning), you'll still be expected to pick up a part of the tab.

However, on the plus side, discount dental plans are effective immediately - so any procedure you need now will be covered as soon as you buy the dental plan. Traditional indemnity dental plans usually impose a waiting period of between 6 and 18 months for any major procedure. The last "pro" is that all good dental plans should come with a money-back guarantee.

REMEMBER: dental plans are not the same as the dental coverage part of your health insurance. If you need a complete insurance policy, with a dental coverage component, visit our dental insurance page.

Dental plan quotes

Shopping dental plans online is the easiest and fastest way around to compare different dental plans and prices.

We like DentalPlans-dot-com, the web's largest provider of discount health and dental plans.

Dental plan quotes take about 15 seconds to process (really!) And their discount dental plans all come with a money-back guarantee, and no "broker mark-ups". (That is, you cannot find these dental plans cheaper anywhere else.)

Keep in mind that no dental insurance quotes are final until the application is fully completed, so make sure you finish the process to lock in your quote. You're under no obligation to buy a dental plan or policy until you decide it's right for you.

Compare the best discount dental plans now:

Your mouth and your wallet will thank you! dental plans

A quick legal disclaimer, in case this article wasn't clear:

Dental savings plans are NOT insurance and the savings will vary by provider, plan and zip code. These plans are not considered to be qualified health plans under the Affordable Care Act. Please consult with the respective plan detail page for additional plan terms. The discounts are available through participating healthcare providers only. To check that your provider participates, visit our website or call us. Since there is no paperwork or reimbursement, you must pay for the service at the time it's provided. You will receive the discount off the provider's usual and customary fees when you pay. We encourage you to check with your participating provider prior to beginning treatment. Note-not all plans and offers available in all markets. Special promotions including, but not limited to, additional months free are not available to California residents.

ZIP Code: 

Health insurance leads for agents | Site map

©Copyright 2002-2011 Health Insurance In-Depth LLC

This internet site provides information of a general nature for educational purposes only and is not intended to be legal advice. We make no guarantees as to the validity of the information presented. Your particular facts and circumstances, and changes in the law, must be considered when applying insurance law. You should always consult with a competent insurance professional licensed in your state with respect to your particular situation.