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Dental Insurance
Save on dental expenses/insure against future expenses
Choose from two types of dental plan:
Most, if not all, procedures are offered at a reduced charge that may be anywhere from 10% to 50% less than what regular dental charges are for that procedure in your area.
Typically, there are no waiting periods and no annual limits on benefits.
You must go to dentists who have joined the network. If your dentist is not a member, you would have to change dentists.
A plan like this is not insurance. It is a fee-for-service discount dental plan. As a condition of being in the list of network dentists, the dentist agrees to charge less than what most dentists usually would, as specified in the network schedule of dental charges.
The idea of "any dentist" plans is that you can go to any licensed dental provider and you are reimbursed a percentage of covered expenses according to the policy.
The premium for this type of plan is typically more per month than for a discount plan because there is a reimbursement for expenses incurred instead of receiving the benefit of a discounted price.
These plans have initial waiting periods and annual limits on benefits.