How Dental Plans Are Different Than Insurance

When many people hear about dental payment plans, they instantly think that they are just another type of insurance. However, this is not the case. Dental payment plans are a discount plan. You simply pay a low monthly rate and enjoy a discount on all of your services. You don't have to apply or be approved for coverage, and there are no claims that can be denied. Furthermore, you don't have to worry about using up all of your benefits for one year and having to wait to receive service. With these plans, you pay a rate that is far more affordable than dental insurance plans, and you enjoy a discount with each service.

A Better Option

Many people wonder if these dental payment plans are truly a better option than dental insurance plans. It can be difficult to know how much your dental insurance is actually costing you. However, with a call to your insurance provider, you can learn what your annual premium rate is. Then, you can compare this rate against the affordable cost of these plans. This is the cost of the plan, but you will also want to review the benefits. Many plans are designed to save you up to 50 or sometimes 70 percent off of the cost of your services. When you consider how much your annual premium for dental insurance costs as well as what your out-of-pocket costs are for those services, you may see that these payment plans are a better choice for you.

The Right Dental Plan

There are several dental payment plans available to you, and the costs and benefits of each plan are easy to compare. Each has a straight monthly rate, so you don't have to worry about getting a quote. The benefits are also straightforward and easy to understand. They all provide you with a discounted rate off of your dental services, and some offer your prescription drug discounts, vision discounts and other benefits. You will never have to guess how much your insurance company will pay for your services when you use these affordable discount plans.

If you have been displeased with your insurance plan or find it unaffordable, consider how dental payment plans can provide you with a different experience. After comparing payment plans against dental insurance plans, you may discover that you need to take advantage of what these payment plans offer.