How does a discount dental insurance work with regular insurance?

Discount dental insurance, also known as dental savings plans, operates differently from regular health insurance. It does not provide coverage for medical expenses, but instead offers discounts on dental services from a network of participating dentists. Here's how discount dental insurance works in relation to regular insurance:

1. Enrollment and Fees:

- Discount dental insurance plans are purchased directly by individuals or families and do not go through an employer.

- You'll usually pay an annual or monthly membership fee to the plan.

- There are no deductibles or claim forms involved.

2. Network of Dentists:

- Discount dental plans have their own network of participating dentists who have agreed to provide discounted rates on dental services.

- The discounts can vary depending on the type of service and the specific dentist.

3. Coverage:

- Discount dental insurance plans typically offer discounts on a range of dental services, including cleanings, exams, fillings, and more complex treatments such as crowns or root canals.

- The level of coverage and the exact services covered may differ from plan to plan.

4. Costs:

- With discount dental insurance, you pay the discounted rate directly to the dentist at the time of service.

- The plan reimburses you for any remaining amount after the discount has been applied.

5. Regular Health Insurance:

- Discount dental insurance is not a substitute for regular health insurance, which provides coverage for medical expenses including hospital stays, surgeries, and prescription medications.

- Discount dental plans are designed specifically for dental care.

6. Savings:

- The main benefit of discount dental insurance is that it allows you to save money on your dental care costs by accessing discounted rates from participating dentists.

- The amount you save can vary based on the plan, the dentist you visit, and the services you receive.

It's important to note that discount dental insurance plans do not cover all dental expenses. They are designed to complement your regular health insurance and provide additional savings on dental care. Before choosing a discount dental plan, it's a good idea to review the coverage, discounts offered, and participating dentists in your area to ensure it meets your needs.