Dental Insurance Verses Discount Plans

Wondered if anyone has looked at Dental discount programs verses insured Dental plans.
Most dental coverage premium for a family of four can run around 1400 a year and discount plans can run as low as 120 a year for a family of four.
They also include 24/7 access to a telemedicine as part of the premium
Discount plans have no limitations, no calendar maximum of benefits and no claims forms or prior approval needed.

Seems like this might be the way of the future especially when they can pay double the commissions of most dental plans
Wondered if anyone has marketed this to business as a
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