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Dental discount plans (or "reduced
fee plans") and dental insurance
are not the same.
Dental discount plans are based
on special agreements with participating dental care providers (like dentists),
to provide their services to plan members at a (sometimes very substantial)
discount. Enter your zip code in the box below to find dental discount
plans, the amount of discounts you will receive, and participating dentists
available in your area.
Unlike most dental insurance plans,
reduced fee plans often even give you a discounted rate for dental care
associated with "pre-existing conditions", although orthodontic
treatment in progress is typically excluded. (NOTE: Always check the terms
and conditions of each specific plan to see what is and isn't covered!)
Dental insurance can protect you
against the financial risks associated with dental care. Unlike many dental
discount plans or reduced fee plans, dental
insurance will typically NOT reimburse you for costs associated with
existing dental problems (so-called "pre-existing conditions").
There may also be a limit on the number of visits or services for which
you will be reimbursed, and you may have to pay part of the costs out
of your own pocket (the "deductible").
However, having good dental insurance
can save you quite a few unpleasant surprises --and a lot of money! (NOTE:
Always check the terms and conditions in the insurance policy to see what
is and isn't covered by that insurance!)
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