Dental Financial is a dental discount program for those paying cash for dental services and a payment transmitter in certain states. Payment services are for those members that choose to participate in our Dental Savings Program, much like a health savings account for dentistry. We help members get discounted and free services from a network of dentists who agree to provide discounts to members who pay cash at the time of services. We also assist dentists by marketing their services when they are a part of our database by matching them with members who are willing to pay cash and want a free annual cleaning, checkup, and bite wing x-rays.
| Dental Financial | Careington/Carefree Dental | Basic Dental Insurance |
| $99 – $129 Annual Membership Fee | $15.95/mo= $191 or $119 ($99+$20 first year) | $20-$25/mo ($240-$300/yr) to $40/mo ($480/yr) |
| Free annual cleaning, bite-wing x-rays, and exam | You have to pay for an annual exam and services | Preventative services usually free yearly/semi-annually |
| 10-50% discounts on all services that are listed by dentists in our network database | You pay 30-65% of various services | You pay 30-65% of various services some services uncovered in first year or two |
| Dental Savings Program accrues cash value | Cannot accrue a cash value | Your premium does not accrue cash value |
| Dental Savings Program can earn money (If enrolled into Roth IRA option, if available) and be used for future procedures or withdrawn for retirement. | Benefits only so long as you are a member | Once you stop your insurance coverage you cannot use |