Dental Plans vs. Dental Insurance

It is sometimes difficult to navigate all the options when it comes to paying for your dental care. But having all of these options is very nice, since it allows you to shop around and find the best deal for you and/or your family. If you have heard about dental plans before, but didn’t know if that was anything different from dental insurance, you are not alone. Many people don’t understand the difference.

Dental Plans
Dental plans are programs where you pay a certain amount of money per year, month, etc., depending on the payment plan you choose. This amount will not be dependent on how often you go to the dentist or any prior conditions. You will pay the same price as everyone else who buys the plan. This will give you a card that you can take to your dentist and get a discount on your dental care. Usually, the discounts are rather steep, sometimes discounting over 50% of the service price. Orthodontics and dental prosthesis are even covered under some plans.

Dental Insurance
Dental insurance on the other hand is not as simple. Dental insurance is like every other insurance. You fill out an application, you are quoted a premium and you pay that premium every year. This will change depending on how much you use it the previous year. It will also be dependent on your age, dental history (unless you don’t provide one) and other factors. Everyone will usually not pay the same price. Sometimes, dental insurance will charge everyone the same premium, but this is rare. Plus, you are restricted to getting your teeth cleaned so many times a year, as well as having other procedures done is also limited.

Dental Insurance vs. Dental Plans
For dental plans, you are going to go in knowing what it will cost and what you will save. You can check to see if your dentist is part of the plan you are considering and can find out exactly how much money you are going to save. On the other hand, you may find you have to pay more money out-of-pocket using the dental plan. This is due to the fact the dental plan doesn’t actually pay any money to the dentist. The dentist is just taking a cut on their services just to get your business.

Dental insurance is a bit more tricky, but can pay more money, saving you out-of-pocket expenses. Sometimes though, the money you save at the dentist with dental insurance compared to dental plans, may be negated by the cost of the premiums, which can be rather steep. While both will save you money, it is up to you to decide which will work best for you.

Category: Health
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