Maintaining one’s oral health is essential to a healthy lifestyle. Many people are ready to make the commitment to improve their oral health, but have a difficult time choosing between dental insurance and discount dental plans. Our goal at True Dental Insurance, LLC is to improve oral health throughout Florida, Texas and California by making quality dental care affordable and accessible to everyone. We know that our goal is possible because we offer GROUP DENTAL INSURANCE to the PUBLIC.

True Dental Insurance, LLC can offer the residents of Florida, Texas, and California GROUP DENTAL INSURANCE to the PUBLIC. Everyone knows that GROUP INSURANCE (of any kind) is less expensive and offers more benefits than individual insurance! Here is an interesting report:“Dental benefits differ greatly from medical benefits. In 1959, most dental benefit plans had a yearly cap of $1000. You may be surprised to know that the average dental benefits plan of today has a yearly maximum of $1000. There has been no significant increase in the yearly maximum cap for over 40 years! However, there have been significant increases in policy premiums. Dental benefits will never pay for completion of your dental care. It is only meant to assist you.” This interesting fact was on a discount plans website, but do the residents of Florida, Texas, and California know the difference between a discount plan and True Dental Insurance?

The majority of dental discount plans cap the amount of coverage to an annual/dollar maximum that is usually $1,000 to $1,500 per year. The individual is responsible for any costs incurred after that. True dental insurance do not have annual/dollar limits. Our plan members throughout Florida, Texas, and California can use their dental insurance as often as they’d like. There is no limit to the amount of money our members can save by using their dental insurance!

Dental discount plans will frequently refuse to cover certain procedures or impose long waiting periods. For example, many dental discount plans have exclusions on pre-existing conditions and may require a 6 to 18 month waiting period before paying for major dental treatment. Conversely, true dental insurance plans are free of these limitations and are effective by the 1st of following month (if you enroll on September 25th your effective date would be October 1st), allowing plan members to join and start saving on their dental care as quickly as possible. Additionally, our dental insurance offers significant savings on dental specialties, such as orthodontics and teeth whitening, while dental discount plans very rarely cover these procedures.

With that in mind, let’s consider how the differences between dental insurance and discount dental plans can affect you. True Dental Insurance is typically characterized by monthly premiums, no age limits, no waiting periods, no maximum dollar limit and pre-existing conditions are covered. Alternatively, discount dental plans are designed to be as accessible as possible, so they do not share any of these characteristics associated with dental insurance.