Are you aware that almost 75 million Americans have no dental insurance?
This is an astounding statistic, especially when you consider how essential oral health is. If you’re looking into your options, you might have seen phrases like “dental insurance” and “dental discount plan.”
Are you wondering whether they’re the same thing? Keep reading to learn all about the differences between dental insurance vs. discount plan.
Dental Insurance
Has anyone asked you, “What is dental insurance?” Put in the simplest terms possible, dental insurance is like health insurance, but it focuses on oral health specifically.
Like health insurance, you can expect to pay premiums from month to month. There may or may not be a deductible. The exact nature of a dental insurance plan depends on what kind of coverage you go with.
Deductibles are often cheap and often don’t surpass more than $100 a year. You could end up paying some percentage of the overall fees, but you can also expect to get benefits that are worth a couple of grand each year.
By using a dental insurance guide, you can get a plan that works best for your particular needs.
Dental Discount Plan
When it comes to the difference between dental insurance and a discount plan, it’s crucial to remember that a discount plan doesn’t pay for any medical expenses. Rather, the discount plan gives you access to a range of discounts from qualifying dental practices.
The size of the discount could be around half the normal price or a lot less than that. The exact amount would depend on the type of procedure, your location, the dentist involved, and more.
If you take a look at any dental discount plan guide, you’ll see that plans can be extremely cheap. However, an inexpensive plan often comes with subpar discounts.
What Should I Choose?
In general, the goal is to get the best care possible for the least amount of money possible. If you have a spouse and children, then that can complicate the situation even further. The good news is that there are discount plans for families.
In the long term, getting actual dental insurance is often the best solution for both individuals and large families. Before making a final decision, it’s a good idea to compare and contrast the prices found in each option.
Ready to Choose Between Dental Insurance vs. Discount Plan?
Now that you’ve learned all about the differences between dental insurance vs. discount plan, you can choose the option that fits best with your needs. Be sure to let your friends and family members know about the differences as well.
We can help you find the best dental insurance on the market. Our site also makes it easy to search for affordable health, vision, and life insurance. After all, no one should have to go without coverage.
Are you wondering how it works? Please don’t hesitate to contact us so we can address all your questions.