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A discount dental plan is not considered dental insurance, but it is a very common type of dental plan. Companies that proffer a discount dental plan should disclose that they are not offering a dental insurance policy. Unlike a dental insurance policy, you will not have set co-payment amounts under a discount dental plan. The payments that you make for this type of dental plan are a membership fee. As a member of a discount dental plan, you will be able to obtain dental services from a specific list of dentists at an economical rate and payments are made directly to the dentist and no claims are filed with the company that manages that discount dental plan.
Basically, the dentists who are participating and agree to members of the discount plan agree to provide services at a discounted rate. Members of a discount dental plan are only permitted to discounts if they use a dentist who is listed on the directory of participating dentists that are provided by the discount dental plan company. The list of participating dentists is usually more extensive than the list of partaking HMO dentists and also similar to a list of participating PPO dentists. Discount dental plans offer benefits and membership and is usually made through an annual payment, but some discount plans accept only monthly payment arrangements.
posted by renaa
@ 9:37 PM
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