Discount plans are not insurance plans. Instead, they offer access to dental treatment and dentists at a discounted fee.
What you pay
You’ll pay a monthly or annual fee for access to dental treatment from participating dentists. These dentists have agreed to accept lower fees from you as payment for the treatment you receive. You may be responsible for a greater portion of the treatment cost than with insurance plans.
Advantages
There is generally no paperwork, annual limits, or deductibles, but you must visit a participating dentist to receive the discount.
What else to be aware of
This type of plan is not insurance and is not regulated by state insurance departments. Dentists are not required to go through the rigorous credentialing process as those who participate in PPO, EPO and DHMO networks.
These types of plans are not offered in all states. Out-of-pocket expenses are generally higher with discount plans.