Discount Dental Plans FAQ: How They Work, Why They're Cheaper Than Dental Insurance
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Discount Dental Plans FAQ: How They Work, Why They're Cheaper Than Dental Insurance

Are you unemployed, or does your employer elect not to provide dental insurance? Millions of people are in the same boat, which is why there's a new trend towards discount dental plans.

What are discount dental plans?

Discount dental plans are large nationwide organizations which sign up thousands of dentists into a large network of providers who are willing to provide dental services at a steep discount to regular rates. To join, you pay around $100 per year (depending on your location) and you can get dental work done at any of the providers in the plan's network at discounted rates.

How much do I save on dental visits and procedures?

Discounts vary by location and individual dentist, but normal range from 40% to 80% off the retail price of services. For example, a recent survey in Miami found that an in-network exam might be $36 instead of $69, and a crown $535 instead of $981. See more pricing and discount details.

How much does it cost?

Discount dental plans range from $60 to $140 per month, averaging $94 per month nationwide. Discounts on dental visits and procedures ranges from 40% to 80% of the retail price of service. Get a quote in your area here.

How many dentists in my area participate?

Discount dental networks have grown significantly recently, so in most metropolitan areas you should find hundreds of participating dentists. Smaller cities and towns are showing growth in participation too. In a recently interview, Cigna (a major dental insurance provider) reported that 80% of its dentists now participate in a discount dental network. Search for a participating dentist in your area here. Find a provider in your area.

How do discount dental plans compare with individual dental insurance?

Individual dental insurance plans have monthly premiums which range from approximately $200 to $600 per month, with annual deductibles between $500 to $1,500 (source: Assuming twice a year checkups and one major procedure every three years, a discount dental plan would be 30% to 70% cheaper than purchasing individual dental insurance.

Which are the largest discount dental networks?

The largest nationwide discount dental network is DentalPlans. They have a network of thousands of dentists, and also resell plans from Aetna and Cigna. There were recently reviewed in Forbes and Time Magazine as innovators in the discount network market.

Find a plan in your area:

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Comments (4)

Excellent. Sorry, I am out of votes

Dao thi Uyen

lower price but good quality and prestige guaranteed

Dao thi Uyen

lower price but good quality and prestige guaranteed

Dao thi Uyen

lower price but good quality and prestige guaranteed