Discount Cards
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What are Discount Cards?
What is the difference between Dental Insurance and Discount Cards with Dental Discounts?
Discount Cards provide you with a great way to save money on your dental, vision, and/or chiropractic needs. Depending on your Discount Card company, you can enjoy discounts of up to 60% with a national network of leading service providers.
Getting your Discount card is easy. Simply fill out an application and you will receive your card in the mail soon after.
When it's time to use your card, simply locate a service provider in the network, present your card to the provider at the time of service and get instant discounts.
Is a Discount Card an Insurance Plan?In addition to dental insurance, we carry Discount Cards that provide discounts for dental care. Although these cards are not a form of insurance, they will provide you with discounts for dental services when you visit a participating dentist.
Key Differences Dental Insurance Discount Cards with Dental Discounts Who pays for services You pay monthly premiums, deductible and co-pay/coinsurance (see below); the insurance company pays dentist directly for remainder of charges. You must pay the dentist directly at the time dental services are rendered. The Discount Card does not pay any money to the provider. You also pay a monthly membership fee to the discount program in exchange for discounted rates at participating dental providers. Discounted Rates at Selected Providers PPO plans have pre-negotiated discounted rates with selected providers.
Indemnity plans allow you to see any dentist, and, as such, do not have discounted rates at selected providers.Offers discounted rates at participating dental providers.
Note: Can be used in conjunction with Dental Insurance Indemnity plans.Deductible Typically has a deductible, i.e., insurance company may not start paying for services until your dental expenses reach a certain dollar amount. No deductible - Discounts are available at first visit to dentist. Co-Pay/Coinsurance After deductible is met, you may need to pay a nominal amount (e.g., $10) per office visit or a percentage (e.g. 20%) of the cost of a larger procedure. Insurance company typically pays for remainder of charges. Not applicable - For a given service, participating dentists will charge you the contracted discounted rate that has been pre-negotiated. Waiting Period Many dental insurance plans require you to be a policyholder for 6 to 18 months before paying for major dental services. Not applicable - Since no waiting periods apply. Annual Maximum Benefit Most dental insurance plans will only cover up to certain amount per member per year (e.g., $1,000). After that cap is reached, you are responsible for all dental expenses. Not applicable - You and your family members can use your discount program membership as often as you need. How Much Money Will I Save?No. Discount Cards are not health insurance policies. They are strictly discount programs that give you and your family preferred rates from selected health care providers. However, Discount Cards may provide you with a valuable, inexpensive alternative or supplement to a standard health insurance plan.
How soon can I start receiving discounted rates?Discounts may vary across company and provider, but here are some examples of how much you can save on dental care by obtaining a Discount Card.
Procedure Discount Cost Retail Cost * You Save Office Visit $20 $35 $15 Bitewing X-Ray $10 $19 $9 Cleanings $35 $65 $30 Simple Extraction $55 $100 $45 Filling $40 $73 $33 Full Cast Crown $380 $689 $309 Root Canal $258 $471 $213 Orthodontics $2500 $4255 $1755 *These fees represent the C15 schedule for services performed by a participating General Dentist. Retail cost is based on the 80th percentile of the National Dental Advisory Service Comprehensive Fee Report for 2001. The Plan Fee Schedule and actual savings will vary by region. General Dentists and Specialists may not be available in all areas. How often may I use my discount card?Your membership will become active as soon as you receive your discount card in the mail. Depending on the company, this may be one to two weeks after completion of the application.
Are there any transaction fees to use my discount card?As often as you like. There are no restrictions on how frequently you use your card.
Are the discounted rates the same for all network providers?There are no card transaction or usage fees. You just pay your monthly membership fee to continue using your Discount Card as often as you like.
How can I find a dentist near me?No. Discount Card preferred rates will vary depending on the provider, type of healthcare service, and your geographic area.
What if a network provider will not accept my card?Take a look at the online provider directory by clicking the "Find Provider" link. You'll be able to search for dentists, and see if your favorite is part of the network of participating dentists.
Can I Contact Someone If I Need Help?Ask the provider to call the provider service number listed on your Discount Card. We recommend that you confirm your provider's acceptance of the Discount Card at the time you make your appointment.
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Our licensed insurance agents and knowledgeable representatives are ready to help you. Just call 888-682-7316 Mon - Fri, 9AM-4PM CST.• Email Us
Click here to send us an email. One of our knowledgeable customer care representatives will reply to you soon. Please note that our licensed health insurance agents can discuss insurance plan benefits and rates only by phone.
