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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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