<P>16© 2009 AAPD All rights reserved. Dental Point of Service (POS) Insurance Plans This type of dental insurance offers the option of using a dentist who is part of the insurance plan network or the option of seeing a dentist who is not part of a network. When signing up for a POS plan, the patient decides which type of dental care professional they wish to see. Patients are allowed to change their mind. In most cases, patients will pay more for using dentists who are not part of a network. Discount Dental Plans These plans are designed for individuals, families and groups looking to save money on their dental care needs. Participating dental care providers have agreed to accept a discounted fee from plan members as payment-in-full for services performed. As a plan member, you simply show your membership card when visiting any participating plan provider to receive dental services at discounted fees. Advantages: • Application process simpler; enrollment can be immediate and plans can be activated quickly. • Discounts are immediate. The fees are agreed upon ahead of time between the plan and the provider. Dental care is discounted by the provider at the time of service, provided the care rendered falls under one of the discounted services. The percent discounted and which services are discounted will vary according to the plan speci?cation. Disadvantages: • Reliance on the network dentists. It may be dif?cult to ?nd a local dentist who participates in the discount plan. • The patient needs to carefully research the plans. Patients who select these types of plans need to review the type of discounts and the quality of the dentists in the network before choosing the plan. The discounts only apply for those dentists who participate. In more remote regions, it may be dif?cult for a family to locate a dentist who participates. • The plan is a discount plan and not dental insurance. The plan provides discounts on care but the patient is still largely responsible for the cost of the treatment. In these plans, preventive services are usually discounted at much higher rates compared to restorative services. The patient is still responsible for the cost of care at the time of the appointment. There may be services that are not discounted. The patient needs to be very familiar with what the plan covers ahead of time. After discounts are applied for the services, the patient is responsible for the fee.</p> <UL><LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/1/1/">Front-Cover</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/2/2/">Inside-Front-Cover</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/3/3/">Page-3</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/4/4/">Page-4</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/5/5/">Page-5</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/6/6/">Page-6</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/7/7/">Page-7</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/8/8/">Page-8</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/9/9/">Page-9</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/10/10/">Page-10</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/11/11/">Page-11</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/12/12/">Page-12</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/13/13/">Page-13</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/14/14/">Page-14</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/15/15/">Page-15</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/16/16/">Page-16</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/17/17/">Page-17</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/18/18/">Page-18</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/19/19/">Page-19</a></LI> <LI><a href="http://www.stallionpublishers.com/publication/1603/hvvyzehvw/20/20/">Back-Cover</a></LI> <LI><a href="http://www.stallionpublishers.com/publications/1603/x/sitemap.xml" target="_blank">site map</a></LI> </UL>


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