Dental discount plans are easy to use and offer benefits that more traditional dental plans do not offer. For example there are no annual caps on benefits and there is absolutely zero paperwork that is involved.
A dental discount plan works a lot like a membership at a warehouse club where you might pay an annual or a monthly fee in order to gain access to lower rates that are significant. Some organizations have put together a linkage of different companies such as Aetna, Cigna and other brand names that are willing to basically wholesale their benefits to members of the plan.
Dentist all over the country are eager to participate because this is a good way to bring in new patients, and discounting their fees to to that is a very good strategic move as the dental field is very competitive.
These discount plans are not insurance and the actual savings that a patient will experience will vary somewhat by provider, but there will always be a menu of benefits for each procedure that is done, so that the consumer can tell in advance what the plan will pay.
If the dentist charges over that price, then the patient will be responsible for any overage. Even so, the amount that the patient would pay is so far below the dentist’s regular fees, that it is very attractive for the patient.
One very beneficial benefit is the fact that dental discount plans have no annual cap, which in some procedures can leave a dental patient stranded. For example if an expensive procedure needs to be done with a traditional plan, and it exceeds the cap, part of the procedure may have to be put off until the following year.
Discount plans are gaining in popularity because of their ease of use and inexpensive cost.