Dental Insurance Plus – What is the coverage difference between Dental Insurance and a Dental Discount plan
A dental discount plan provide discounted saving typically for all dental care services at a plan provider office. Some of the discounts plan provide a fee schedule showing your discounted cost for different dental care services and what is not listed is normally an average saving of 10 to 20 percent off the dentist normally charges. With discount plans you have to go to a plan provider there is no outside network savings.
There are a few different types of dental insurance plan options. HMO’s working similar to a discount plan in the fact that they also tend to have a fee base schedule showing your cost for services under their plan and you have to go to a plan provider. HMO insurance plans normally have lower cost for services provided then discount plans do. HMO’s insurance plans are regulated by state insurance departments, where as dental discount plans are not.
PPO’s and Indemnity insurance plans are plans that let you stay with your current dentist or choose a dental provider. They pay claims out based on percentages braking down dental care services typically as preventive, basic and major then paying a percentage of the cost for services. With these plans you file claims.
