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Dental insurance plans cover a percentage of dental care expenses in exchange for a monthly premium dental insurance companies separate dental care services and benefits into various categories, and both dental offices and dental insurance companies have established fees for these services. Dental savings plans: not insurance, low cost dental care for seniors dental savings plans (dsp) are alternatives to traditional dental insurance  since they are not insurance, these plans charge very low annual fees – some starting as low as $995 per month – require no copay or deductible and carry no annual maximum limits.
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