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Most people would not the difference between dental insurance and dental plans. For some, it could mean the same thing - with the word “dental” on both, they would invariably mean saving money on dentist’s fees.

However, in real life scenarios there is a difference in convenience between dental insurance and dental plans.

Just like any other insurance program, obtaining the benefit from you dental insurance plan can be a lengthy, albeit complicated, process. To be even covered, a patient must go through a paperwork process and be reviewed for pre-existing conditions. There is also a long waiting period that any one must put up with.

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How do you know when you are paying in cheap dollars? It’s when you’re paying your dentist through a cheap dental insurance plan or a plan that gives you deep discounts.

But there’s really no need to feel guilty or to even think of yourself as cheap if you’re shelling out practically nothing for all the hard work that your dentist did - he certainly won’t go broke that way.

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Dental Plans vs. Dental Insurance

Let me make this clear. A dental discount plan is not the same thing as a dental insurance plan. In fact, a dental discount plan is more like belonging to just the network of providers that you would get from a dental PPO or dental HMO. You visit the dental providers in the network, and you receive services at contracted discount rates. Large insurance companies negotiate rates with their contracted dental or medical service providers, and basically that’s what you would get – the contracted discounts. Some people have compared dental discount plans to buying clubs.

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