Every month, there are tons of searches for the keywords 'dental discount insurance' - and this writing answers the question that follows those searches. The question being, "Why can't I find any?"
The problem here is a typical combination of terms. Dental insurance plan really falls into two categories - there are dental discount plans, and dental insurance - but right now, you can find no such thing like dental discount insurance.
Anyway, this mistake is definitely understandable. After all, there are several kinds of insurance that do provide discounts, on particular conditions. You may get a reduction on your health care policy if you don't smoke, or your car insurance if you have a clean driving record. But you're not going to get a provider that cuts down your dental insurance for having a record of good check-ups, or for daily flossing.
Another reason of this error is the manner the term 'discount' is implemented in dental offices. Just like, "After your insurance pays, your final bill is discounted to $190.00". They will use the word 'discounted' in place of the word 'reduced'.
I have to acknowledge that at the time I discovered this fact, it puzzled me at first - it seemed somewhat deceiving!. Then I realized that every profession reinvents terminologies and has its own jargon, and that this was the problem here.
So now we're left with the main question - do we have any hopes for dental discount insurance policies in the future? The only explanation at this point is, that it has been brought up in meetings concerning the recent health care changes.
I intend to explain this in another writing. As for now, the only place the term 'discount' is used is with dental discount plans - but not with insurance, yet.
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