Dental Insurance Maryland Alternative – Consider Dental Discount Plans in MD
If you live in Maryland and cannot afford or do not qualify for dental insurance, consider a Maryland dental discount plan. Dental discount plans are membership based plans that provide customers with extensive discounts at participating dentists, oral surgeons and orthodontists.
Differences Between MD Dental Discount Plans and Dental Insurance
Dental insurance usually requires you to choose one dentist for all of your dental needs. To see a specialist, that dentist must provide you with a referral. With a Maryland dental discount plan, you never need a referral. You can see any participating dentist or specialist as often as you want without any referral or restrictions.
With some dental insurance policies, you pay for your dental care in full and then fill out a claim form for reimbursement. It can take weeks for the reimbursement check to arrive leaving your bank account dangerously low. With dental discount plans, you get discount rates on the spot. Savings are immediate.
Dental insurance requires you to pay a yearly deductible before the insurance kicks in. A Maryland dental discount plan never requires deductibles. You also don't have to deal with the dental benefit limits that dental insurance companies use. You can seek as much dental care as you need without worrying that you've gone over a maximum benefit limit.
Companies Providing Maryland Dental Discount Plans
A number of companies offer MD dental discount plans. Rates vary from plan to plan, but most fall into the $80 to $200 range. Discounts depend on the dental care. Preventative care like teeth cleaning, X-rays and fluoride treatments provide bigger discounts than cosmetic treatments like veneers. Companies offering Maryland dental discount plans include:
- Access Dental
- Affordable Family Health Services
- Avia Dental
- Careington Care
- Dental Care Advantage
- Dent-All Plan, Inc.
- Northeast-Southeast Dental
- OptumHealth Allies
- Patriot Plan
- Signature Wellness
Many of the MD dental discount plans cover orthodontia, but not every plan does. If you need items like braces or retainers, you should verify that the plan does, in fact, offer that coverage. Some plans add prescription, vision and hearing care too. This is an affordable way to get coverage for eye exams, prescription eye wear, medications and hearing aids for very little money.