The Difference Between Dental Care Insurance and Dental Discount Plans
When you are looking for an individual dental plan you may find a lot of information leading to dental discount plans. Although at first they seem like they are the same, in fact they are quite different. Before you go about signing up for any personal dental insurance you should take the time to learn the fundamental difference between the two.
A dental discount plan first of all is considerably lower in cost than personal dental care insurance. It also does not have a limit on the amount of dental services you can have in a single year nor does it have a deductible to pay. Almost everyone will be approved for a dental discount plan, regardless of whether or not there is a pre-existing condition, and there will not be a ton of forms to fill out if you do have to have dental services performed.
That being said, discount plans do not cover as many dental services as personal dental care insurance and you also have to pay more per visit. Whereas personal dental insurance is done through dental insurance providers, a dental discount plan is more of a membership of sorts that gives you a card that provides discounts on the total cost of the services rather than covering one or more particular dental service.
Whether you choose dental care insurance or a dental discount plan is a personal decision. It really comes down to what you can afford as each has their own pros and cons when you are looking at getting personal dental insurance.