Dental Plans Vs. Dental Insurance: An Overview

​They say that our teeth are our crowning glory. We always want to flash our best smile whenever possible. But maintaining that healthy smile can be hard, and we all need to visit our dentists from time to time. 

Dental care can be hard without breaking the bank. And when it comes to protecting our teeth, we often need clarification about whether to get a dental plan or dental insurance. So read on and know the difference. 

What’s The Difference Between Dental Plan and Dental Insurance? 
With a dental plan, you pay a sign-up fee at a discounted rate each time you visit the dentist. You need to understand that it is not insurance. It connects you with discounts on specific dental services from dentists within the network. Dental plans are also sometimes called savings, discounts, or access plans. 

Dental plans work like discount cards at grocery stores or pharmacies. When you visit a clinic, you show your card and receive a discounted price for dental work. There is nothing to process with a dental discount company. Depending on the plan, the discount ranges between 10% and 50%.  

Dental insurance, however, covers a portion of your dental care costs. It includes preventive and basic dental care and major services. You pay a fixed amount each month. Dental insurance ensures that your provider pays for every visit to the dentist. 

Dental insurance premiums vary from one person to another. Certain factors may affect the cost of insurance, such as: 

• Type of insurance policy (individual or family)
• Will an employer provide it? 
• Annual maximum limit
• Annual deductibles and copays

Which Is The Better Option? 
Dental plans may be better if you want to supplement your current dental coverage. In addition, you can also get a dental plan if you want discounts on cosmetic procedures. Also, it can be a good add-on if you will exceed your annual maximum on your dental insurance.  

Meanwhile, dental insurance works like health insurance. You get access to a comprehensive network of dentists with dental insurance. You can combine it with an individual dental plan in between jobs or while waiting for dental benefits to start at a new job. Most plans let you cancel coverage with a 30-day notice. 

Some providers will accept both dental plans and dental insurance. Others will accept only one but not the other. Always check with your dental care provider about your benefits. 

Conclusion 
Effective dental care takes work. Whether it’s a dental plan or dental insurance, your provider is your partner in returning the pearly white look of your teeth.  

At  Hyde Insurance Group, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (888) 345-1215 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!