Dental Insurance vs. Discount Dental Plans - Which is Best?
You're looking to save money on your dental bills. But will dental insurance or a discount dental plan save you the most money? Here's a comparison that will show you which one is best for you.
Dental Insurance Plans
With dental insurance you pay a monthly premium for which you receive dental work. The plan provider reimburses your dentist for part of the work, usually 50% to 80%, then you're responsible for paying the rest.
Insurance plans usually have a set deductible and limits on the amount of services you can receive within a given year. There are also waiting periods of 3 to 12 months before you can receive dental treatment, and preexisting conditions are not covered.
Premiums for one person average out to $200 to $500 per year, and you can choose your own dentist.
Discount Dental Plans
With discount dental plans you pay a yearly premium for which you receive 10% to 60% discounts on all your dental work. There are no waiting periods before you can see a dentist or dental specialist, and preexisting conditions are covered. You can see a dentist within one to three days after joining a plan and get all the dental work you need.
Discount dental plans have no limits on the amount of work you can have done, and there are no deductibles. There are no form-filling and paperwork hassles like there are with dental insurance, and discount dental plans cover cosmetic dentistry which dental insurance doesn't.
With these plans you can choose from over thirty nationwide networks, and more than 100,000 dentists and dental specialists. Premiums for one person start at $80 a year.
Last year I needed two fillings, two root canals, and a number of crowns replaced. When I checked out dental insurance plans I found that none of the work I needed was covered. In addition, I would have to wait for six months before I could get any other work done, and the yearly premium was $420.
I then took a look a discount dental plans. What a difference!
All of the work I needed was covered, I was able to see a dentist the same week I signed up for the plan, and my initial exam was free. Not only did I save more than $2,500, but I found a dentist who was virtually painless, and who took the time to explain every procedure.
If you need work now or in the future and want to save a lot of money on your dental work, discount dental plans are the way to go.