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Choose from 30+ Discount Dental Plans
Aetna Dental Access Aetna Dental Access
Signature Wellness Plan Signature Wellness Plan
Patriot Plan Patriot Plan
UNI-CARE 200 Discount Dental Plan UNI-CARE 200
Preferred Network Access Preferred Network Access by CIGNA
Vital Savings By Aetna Vital Savings By Aetna
Dent-All Nationwide Dent-All Nationwide
Dentemax Dentemax
CAREington Select CAREington Select
Dental Care Advantage Dental Care Advantage
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Dental Plans Learning Center- A Beginner's Guide to Discount Dental Care
How the Difference Between Dental Insurance and Discount Dental Plans Affect You

Maintaining one's oral health is essential to a healthy lifestyle. Many people are ready to make the commitment to improve their oral health, but have a difficult time choosing between dental insurance and discount dental plans. Our goal at is to improve oral health nationwide by making quality dental care affordable and accessible to everyone. With that in mind, let's consider how the differences between dental insurance and discount dental plans can affect you.

Dental insurance policies are typically characterized by monthly premiums, deductibles, and annual maximums. Alternatively, discount dental plans are designed to be as accessible as possible, so they do not share any of these characteristics associated with dental insurance.

Monthly premiums for typical dental insurance policies may be as much as $30 per month for individuals and more than $100 per month for family plans. Instead, the discount dental plans provided by are much less expensive and can be paid annually. Discount dental plans start at only $79.95 a year per individual and only $129.95 a year per family. Plus, discount dental plan members receive three additional months for free when they join on So discount dental plan members enjoy discounts on dental care for 15 months for the price of 12 months! That averages out to less than $6 a month per individual and less than $9 a month per family for the most cost-effective plans!

Usually, insured individuals must meet their deductible before their dental insurance companies begin to cover their dental care, so the cost of deductibles should be considered when calculating the overall costs associated with dental insurance. Annual deductibles can vary from $25 to $50 per covered individual, depending on the dental insurance policy. On the other hand, discount dental plans do not have deductibles. Instead, discount dental plan members pay an annual membership fee, allowing them to pay discounted rates at participating dental providers at the time services are rendered.

The majority of dental insurance plans cap the amount of reimbursement to an annual maximum that is usually $1,000 to $1,500 per year. The insured individual is responsible for any costs incurred after that. Discount dental plans do not have annual limits. Plan members can use their discount dental plans as often as they'd like. There is no limit to the amount of money members can save by using their discount dental plans!

Individuals with dental insurance policies often complain about the time-consuming bureaucracy they are forced to face, including written claims procedures, exclusions on pre-existing conditions, and waiting periods for major procedures. Alternatively, the easy-to-use discount dental plans found on are designed to save members time and money.

Most dental insurance policies require their members to go through a tedious written claims process every time they use the service. There are no tedious paperwork hassles with discount dental plans; discount dental plan members simply present their plan membership card to participating providers at the time of service to receive discounts on most dental procedures.

Dental insurance plans will frequently refuse to cover certain procedures or impose long waiting periods. For example, many dental insurance policies have exclusions on pre-existing conditions and may require a 6 to 18 month waiting period before paying for major dental treatment. Conversely, most discount dental plans are free of these limitations and activate within three business days, allowing plan members to join and start saving on their dental care as quickly as possible. Additionally, select discount dental plans offer significant savings on dental specialties, such as orthodontics and teeth whitening, while dental insurance policies very rarely cover these procedures.

The rising cost of insurance premiums makes dental insurance inaccessible to many individuals and families unless it's provided by their employers. The cost-effective discount dental plans offered by are an accessible alternative to costly dental insurance available directly to individuals, families, businesses, and other groups. Discount dental plans are an easy, flexible way for businesses to save time and money on valuable dental care for their employees. Also, unlike many dental insurance plans, discount dental plans do not have a minimum participation policy for employees or their dependants. Despite the differences between traditional dental insurance and discount dental plans, they can even be used together in certain situations to maximize savings. is devoted to helping Americans access quality dental care and save money in the process. In short, discount dental plans are an affordable and easy-to-use alternative to dental insurance, and offer plan members significant savings on most dental procedures. We proudly offer the freedom to choose from an extensive selection of discount dental plans designed to save members money on their dental care needs.


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Discount Dental Plans: Aetna Dental Access | Preferred Network Access by CIGNA
Dentemax | UNI-CARE 200 Discount Dental Plan | Solstice Plus Plan One | Avia Dental Plan
Vital Savings By Aetna | Signature Wellness Plan | Patriot Plan | View All Plans

More Information: How Discount Dental Plans Affect You | What You Need To Know About Dental Plans Dental Insurance Decisions | The TopDentalPlans Advantage | Dental Insurance Alternatives
Discount Dental vs. Insurance | Sitemap is a partner of The DENTALPLANS.COM website is administered by DENTALPLANS.COM, INC., a licensed Florida Discount Medical Plan Organization, 8100 S.W. 10th Street Suite #2000, Plantation, FL 33324. Plans and Programs offered by are not health insurance policies. Plans and Programs offered by provide discounts at certain health care providers for medical services. Plans and Programs offered by do not make payments directly to the providers of medical services. The Plan or Program member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the Plan, Program or discount plan organization.

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