The difference between dental insurance and dental plans
June 30th, 2008 . by adminDiscount dental plans have quickly become an affordable dental insurance option to provide significant dental savings. During these economic times of rising costs and stagnant wages, this is an attractive alternative to costly dental insurance.
But, what is the difference between the two? How do you know if a less expensive option is really best for you? Having a clear understanding of what each offers will help you make a decision.
Traditional dental insurance has costly deductibles, limitations on pre-existing conditions, annual maximums, and waiting periods for major dental procedures. This may not be in your best interest if you need a procedure sooner than the plan allows. Conversely, discount dental plans have not annual limits, no health restrictions, and most dental services are eligible throughout the year.