Dental Service Plan

When considering purchasing a service plan for dental health needs, there are primarily two types of dental services plans from which to choose. These two choices are: dental insurance and discount dental plans. The type of plan chosen should be based on the dental health needs that are unique to the individual and his or her family. Individuals are encouraged to explore both options and have a comprehensive understanding of the benefits offered by each type of service plan. There are some major differences between the two plans, and these should be considered prior to purchasing a dental health plan.

Dental insurance comes in many forms, and the cost of dental insurance can vary significantly based on the type of coverage the individual purchasing the plan desires. Types of dental services plans include: Dental Health Maintenance Organization plans (DHMO), Indemnity plans, Preferred Provider Organization (PPO) plans, and Scheduled Reimbursement plans. While dental insurance does provide for routine dental health maintenance and can help individuals pay for costly dental care such as fillings, tooth extractions and oral surgery, the plan may also include waiting periods, annual maximums, and limitations or exclusions on pre-existing conditions. Cosmetic procedures and orthodontic services may or may not be covered by dental insurance.

Discount dental plans are designed for individuals that are unable to afford or obtain dental insurance or have inadequate dental coverage. With this type of dental service plan, dental health services are offered to plan members at a discounted rate. Individuals using a discount plan can save between 20% and 60% for services such as exams, cleanings, x-rays, fillings, crowns, and braces. Discount plans may cover cosmetic procedures as well. These plans have no annual limit and typically do not require a waiting period. There are no health restrictions with these plans, and discount dental plans are available to individuals, families, and businesses.