Plan Benefits

Discount Dental Plan
vs. Individual Dental Insurance

which one would you rather have?


Universal Dental Plan

Individual Dental Insurance

Examples and General Facts

No Age Limitations

We do not charge more for older adults

No procedure frequency limits

There are no limits as to what procedures you can have.  If you want 3 cleanings per year, go ahead.  Pay the discounted fee for it.

No pre-existing conditions

The missing tooth clause:  insurance companies are protected from paying for the replacement of a tooth that was missing before the policy became effective.

No Waiting Periods

Most dental insurance plans have a 6 to 18 month waiting period before paying for major dental services such as crowns, dentures, and implants.

No Annual Maximums

Most dental insurance companies allow an average yearly maximum of $1,000

No Deductibles

The average can range from $50 per year to $150 for family.

No Claim Forms

Our plan does not require submissions of paperwork and claim forms.

Universal Dental Plan is not dental insurance. This plan does not meet minimum creditable coverage requirements under Massachusetts Law. The plan provides discounts at specific dental providers for dental services. The plan does not make payments directly to the providers of dental services. Plan members are obligated to pay for all dental care services but will receive a discount from those dental care providers who have contracted with the discount dental plan organization. The range of discounts will vary depending on the services provided. For questions concerning the Plan, including a list of network providers, please contact Universal Dental Plan: 20 Park Plaza 4th Floor, Boston, MA 02116. 1-800-894-8984,,