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Dental Plans vs. Dental Insurance Annapolis MD

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full.

Amy Allee
7972 Citadel Drive
Severn, MD
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Years Experience: 10
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Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning,Business Income Tax Planning,401k Rollover From Employer,Wealth Management,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Asset Protectio

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Ameriplan Health Benefits
(240) 604-5124
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Upper Marlboro, MD
 
Passport Health Inc
(410) 727-0556
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Baltimore, MD
 
Martin Smith
4800 Hampden Lane
Bethesda, MD
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Title: President, Wealth Management Advisor
Company: KingdomTrust Capital Management, Inc.
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Howard University, Bachelor of Arts
Regent School of Divinity, Candidate: M.DIV
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amerigroup
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915 eastham ct apt. T2
crofton, MD
 
State Farm - Charmaine Barnes
(410) 675-1900
900 S Ellwood Ave
Baltimore, MD
 
Edwin Landis
60 West Street Suite 404
Annapolis, MD
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Title: Financial Consultant
Company: Landis Financial Services
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Investment Advisor Rep: Yes
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Michigan State University/ BA
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Amy Allee
7972 Citadel Drive
Severn, MD
Years Experience
Years Experience: 10
Service
Pension for Highly Compensated Owners,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Life Insurance,Investment & Portfolio Management,Retirement Income Distribution Planning,Business Income Tax Planning,401k Rollover From Employer,Wealth Management,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Asset Protectio

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New York Life
(301) 214-6670
6901 Rockledge Drive Ste. 800
Bethesda , MD
 
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Dental Plans vs. Dental Insurance

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Dental Plans vs. Dental Insurance

If you don't have insurance through your employer, or are self-employed, you may be struggling with getting a reasonably priced dental insurance plan. The costs of an individual policy can be quite high and the coverage is likely to be less than you'd get with any group plan or employer plan.

What are your options?

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full. You will get that discount on the spot. You don't have to wait for reimbursement from your insurance. You don't have co-payments or deductibles to worry about.

For the price of a yearly membership, you will have the right to use any dentist who is part of the group-buying club. You'll only pay for the dental services you actually use, as opposed to paying an insurance premium that often assumes that you'll make a certain use of dental services.

Another benefit is that your membership fee is usually lower than the cost of your yearly insurance premiums.

What are your options? Well, if you are making use of high-priced dental services, the discounts may not save you as much as having insurance would have. Also, since you pay as you go with dental discount plans, if you have a particularly challenging year and there are a lot of dental services to pay, you'll be paying a lot more out of pocket. Insurance tends to soften the impact of a bad year much more than a dental discount plan would.

Insurance will often either prevent you from making payments up front or it will reimburse you more afterwards. Further, the services that are most often...

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