eccenter.org

Especially if the word “discount” is in the name, a dental plan isn’t always the same as dental insurance. A discount dental plan is simply an alternative way to afford the dental care you need if your employer health insurance doesn’t cover dental care, or obtaining your own dental insurance is too expensive. A discount dental care plan may work a bit similarly to insurance, but instead of monthly premiums you may pay a yearly membership fee, and there may be no health questions that have any bearing on your costs or qualification. Then, when you actually receive dental care, you simply pay a discounted amount instead of paying a copay, coinsurance, or both.