Whats the difference between Dental Discount Programs & Traditional Dental Insurance?

Maintaining your oral health is essential to a healthy lifestyle. Most people want to make the commitment to improve their oral health, but have a hard time choosing between traditional dental insurance and a dental discount program.

Therefore it is important that you understand how the differences between dental insurance and dental discount programs can affect you.
 
Dental insurance policies can be typically characterized by monthly premiums, deductibles and annual maximums.

As an alternative, dental discount programs are designed to be as accessible as possible; they do not share any of the characteristics of dental insurance.

The monthly premiums for typical dental insurance policies may be as much as $50 a month for individuals and in excess of $100 per month for family plans.

As an alternative, the dental discount programs provided by CAREINGTON International are far less expensive. Dental discount programs start at just $6.95 per month for individuals, $11.95 per month for couples and $15.95 per month for families. In addition, the CAREINGTON International program also includesfree vision care discounts provided by EyeMed.

Usually, people using dental insurance must meet their deductible before their dental insurance starts to cover their dental care; when making comparisons its therefore important to consider the cost of the deductible as one of the overall costs associated with dental insurance.

Annual deductibles typically vary from $50 to $100 per covered individual; it is difficult to put an actual cost on the deductible because it depends on the specific dental insurance policy you own.

Dental discount programs do not have deductibles. Instead, dental discount program members pay a membership fee that qualifies them to pay discounted rates at participating dentists at the time services are rendered.

Most dental insurance plans cap the amount of reimbursement to an annual maximum that is typically $1,000 to $1,500 per year. The insured person is then responsible for any costs over and above the annual maximum.

Dental discount programs do not have annual maximums. Program members are able to use their discount dental cards as often and as much as they want to. There is absolutely no limit to the amount of money members can save by using their dental discount program.

People with dental insurance policies often moan about the time-consuming red tape they are forced to face, including the need to provide written claims, exclusions on pre-existing conditions and the excessive waiting periods for major procedures.
 
As an alternative, the easy to use CARE INGTON dental discount programs are designed to save members time as well as money!

Nearly all dental insurance policies require policyholders to go through a tedious and very time consuming written claims process, every time they have a claim!

There is no such tedious paperwork and hassles for dental discount cardholders; discount dental program members simply present their membership card to a participating provider at the time of service to receive their discounts.

Dental insurance plans will often either refuse to cover certain procedures or impose a long waiting period.

If you are considering dental insurance you need to be aware that many dental insurance policies have exclusions on pre-existing conditions and may require up to as much as a 18 month waiting period before paying for any major dental treatment.

As an alternative, dental discount programs are free of such limitations and become active almost immediately, allowing program members to join and start saving on their dental care as quickly as possible. Further,CAREINGTON dental discount programs offer significant savings on dental specialties, such as orthodontics and teeth whitening, while most dental insurance policies rarely cover such procedures.

The escalating cost of dental insurance makes dental insurance inaccessible to a large number of individuals and families.
 
The very cost-effective dental discount programs offered by CAREINGTON are accessible to individuals, families and businesses as an alternative to costly traditional dental insurance.

Dental discount programs are also an easy and flexible way for businesses to save time and money on valuable dental care for their employees.

Despite the differences between traditional dental insurance and dental discount programs, they can even be used together in certain situations to maximize savings.

To summarize, dental discount programs are an affordable and easy to use alternative to traditional dental insurance and offer program members substantial savings on most dental procedures.

We hope that you have found this comparison between traditional dental insurance and dental discount programs useful?

Click the link to view the  CAREINGTON Dental Discount Program

This is what a CAREINGTON Dental & Vision Discount Card can do for people

It can save them up to 60% on their dental bills for just $6.95 per month! 
 
Dental Discount cards have become the most popular and certainly the most affordable dental care option for most families. Many employers who used to able to offer full coverage dental insurance to their employees have been forced to withdraw the coverage because of the high costs.

Dental discount cards, priced from just $6.95 per month, offer a very affordable alternative.

Discount dental programs are designed for individuals and families that are looking to save money on their dental care.

CAREINGTON Dental Discount programs also include Vision Care Discounts, providing individuals & their families with even more savings.

Click here to see how much a CAREINGTON Dental Discount Card can save people.

CAREINGTON partners include: