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Dental/Vision Discount Card or Dental/Vision Insurance? Dental/Vision Insurance is considered true insurance where monthly premiums are paid for defined coverage. Some drawbacks of dental insurance include annual spending maximums, deductibles, waiting periods for certain procedures, and limitations and exclusions on care. There are also claims forms to fill out and submit. Dental insurance usually covers the cost of preventive services (such as cleanings and exams) at 100% after deductibles are met. Annual deductibles vary from $25 to $50 per covered individual, depending on the policy. The cost of deductibles should be considered when calculating the overall costs associated with dental insurance. While you are able to use any dentist, the monthly premiums for dental insurance may be as much as $30 per month for individuals and over $100 per month for family plans. Discount Dental/Vision Plans are designed to provide consumers access to dental networks at reduced rates. These plans, are commonly known as “referral” or “reduced fee” plans, and are not considered an insured dental plan. Discount dental/vision plans are affordable to join and are the most widely available dental programs for individuals and families. These discount plans work differently than dental insurance plans, yet provide consumers with real and substantial savings on most dental procedures. Discount dental/vision plans are membership-based programs that usually provide coverage on an annual basis. Consumers pay a membership fee in exchange for secured discounts on most dental services, such as dental exams, routine cleanings, fillings, extractions, root canals, dentures, crowns, and braces. These plans typically save the consumer ten to sixty percent off most standard out-of-pocket fees when visiting a participating network provider. Most discount dental plans provide a “fee schedule” with the discounted fees listed out in the membership materials to ensure consumers will receive their promised savings.   Choose a Plan - Click on Logo Dental/Vision Insurance Up to $2000 coverage Child only plans available Choose any dentist 100% coverage for preventative services- no waiting period Up to 80% coverage for basic services Up to 50% coverage for major services Up to $2000 coverage Child only plans available Choose any dentist 100% coverage for preventative services- no waiting period 80% coverage for basic services- 6 month waiting period 50% coverage for major services - 18 month waiting period Three plans to choose from Plans without waiting periods Preventative only plans available Orthodontia options --OR-- Select a Discount Dental/Vision Plan HERE © American Benefits Group / The Insurance Store  All rights reserved