California Dental Discount Plans for Cosmetic Dental Services.
It is hard to find any dental insurance offering cosmetic dental services. When I am told that one dental insurance plan does provide cosmetic benefits, I find out you can only get it through a group plan. I am giving up on finding dental insurance, but during my online search, I noticed that there are dental discount plans that state they will provide discounts for cosmetic dental services. I need to learn about a dental discount plan; what issues should I be made aware of regarding a discount plan?
Reply: First, knowing that a dental discount plan is not insurance is essential. It is what the name implies: a discount plan. Dental discount plans offer discounted rates for dental services to plan members. These plans work by negotiating discounted fees with participating dentists and passing the savings to plan members. Unlike dental insurance, dental discount plans have no deductibles, annual limits, or waiting periods. However, it is important to note that dental discount plans are not insurance and do not cover the entire cost of dental procedures. Additionally, not all dentists accept dental discount plans, so it is essential to confirm with the dentist whether they participate in the plan before receiving treatment.