Detailed Introduction
AmeriPlan Dental Plans is a prominent provider of dental discount programs, established in 1992. It is crucial to understand that AmeriPlan does not offer dental insurance, but rather a membership-based plan that provides discounted rates on dental services through a vast network of participating dentists. This distinction means members pay a low monthly fee and then receive pre-negotiated, reduced prices at the time of service, rather than having an insurance company cover a portion of the cost.
AmeriPlan boasts one of the largest dental provider networks in the country, with over 75,000 dentists. This extensive network includes general dentists and specialists such as orthodontists, periodontists, endodontists, and oral surgeons. Members can expect significant savings, often ranging from 25% to 80% off typical dental fees. These discounts apply to a wide array of procedures, including routine oral exams, X-rays, cleanings, fillings, crowns, root canals, extractions, dentures, bridges, implants, and even cosmetic dentistry and orthodontics (excluding treatment already underway).
A key advantage of AmeriPlan's discount model is the absence of common restrictions associated with traditional dental insurance. There are typically no annual maximums on benefits, no waiting periods before using the plan, and no paperwork to file. Existing dental problems are generally accepted, and there are no age restrictions for members. Furthermore, members have the flexibility to change dentists anytime within the network without needing to notify AmeriPlan.
Beyond dental, many of AmeriPlan's plans, such as the AmeriPlan Dental Plus and Deluxe Plus, often include additional health benefits. These can encompass discounts on vision care (including eye exams, frames, lenses, and contact lenses through a network of over 12,000 optical providers), prescription drugs (with savings up to 85% at over 65,000 pharmacy locations, including mail-order options), and chiropractic care. Some plans also offer access to telehealth services, allowing members to consult with U.S. board-certified doctors via phone for diagnoses and prescriptions.
AmeriPlan emphasizes affordability, with plans often costing less than typical dental insurance, often under $20-$40 per month for an entire household. The company claims to have saved its members over one billion dollars since its inception, highlighting its value proposition as a cost-effective alternative for individuals and families seeking to reduce healthcare expenses.
