Dental Insurance vs. Discount Plans

Dental Insurance vs. Discount Plans

http://insureme.us/dental-insurance-vs-discount-plans/

Dental Insurance companies sometimes require that you pay enrollment fees to have a policy in force. It used to be that Health and Dental Insurance go hand-in-hand especially for an individual. Dental Insurance companies sometimes require that you pay enrollment fees to have a policy in force. Some even ask for the whole year premium as upfront payment. The basis of the premium collected is usually how much coverage you want. Take note that Dental Insurance companies do not normally cover pre-existing conditions or will charge you higher premiums to have your pre-existing condition covered. Discount Plans charge individuals a fixed monthly or yearly rate regardless of pre-existing conditions. They do not collect premiums. Discount Plans providers do not reimburse the patient or doctor allowing them to charge such low monthly rates. They provide patients with access to different discounts at the dental office thus lowering the patient’s out-of-pocket costs.