Discount dental plans are not dental insurance plans but dental discount programs instead. Participating dentists have agreed to accept a discounted fee from discount dental plan members as payment-in-full for dental services performed. There are a variety of other key differences between discount dental plans and dental insurance plans.
For example, the majority of dental insurance policies have annual maximums that are typically around $1000 to $1500. So if you need dental care treatments that cost more than $1000 like braces, root canals, crowns, oral surgery or dentures, you will have to pay the difference with a dental insurance plan.