What's The Difference Between Dental Plans And Dental Insurance

​Dental plans and insurance help make your and your family’s dental services affordable and hassle-free. 

However, you have to note that there’s a difference between a plan and insurance, so make sure you choose the right option. This article will provide information on these two dental offerings and their key differences.

Dental Insurance Offerings 
Dental insurance is like any other health plan, where you have to pay your monthly premium for coverage assurance. There is also the familiar deductible and copays with each policy. A waiting period is also associated with it. 

There are also different policy types of dental insurance: Dental HMOs, Dental PPOs, and Dental indemnity plans. And depending on your policy, dental insurance should cover 100% of your two dentist visits annually. 

Your dental insurance should also cover fillings, dentures, implants, veneers, braces, and aligners. 

Then What Is A Dental Plan? 
The dental plan, commonly known as a dental discount plan, is completely different from dental insurance. This plan will not cover your expenses but rather provide 10% to 60% discounted prices when you avail of dental services. However, discounts will only apply to those participating dentists. 

Further, a dental plan is cheaper than premium insurance as you only have to pay this plan once a year. It is a great alternative to insurance as there are no deductibles, copays, maximums, or waiting periods.  

Key Differences
Understanding the key differences and your reasons behind getting either a dental plan or dental insurance is essential. The most noticeable dissimilarity between the two is the number of payments and coverage or discounts in hindsight. 

So, the decision will lie in how you will use the plan or insurance. If you need minimal dental work and visit the dentist once or twice for cleaning, a dental plan is for you. It is more beneficial since you don’t have to pay other charges, unlike insurance. 

Meanwhile, if you want your family’s dental care covered, dental insurance will assure you of such. In short, dental insurance is more advantageous when involving multiple people in the coverage. 

Conclusion
Dentist appointments may feel like it’s not your top priority, but dental care is as important as your other health examinations. And one thing’s for sure, either a dental plan or insurance will help you cover the costs of these dental checkups.  

At Gee Daniel Insurance Agency, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (831) 920-3536. You can also request a free quote by CLICKING HERE. Any coverage discussed is not guaranteed. Contact us today to go over your specific needs and we are happy to help you find a policy that works for you and your budget!