Dental Insurance vs. Dental Discount Plan: What’s the Difference?

August 20, 2019

dental insurance vs. dental discount plansBoth dental insurance and a dental discount plan can help you save money on your oral health, but there are few key differences between the two that are important to understand.

Let’s explore each so you can determine whether dental insurance or a dental savings plan is right for you.

What is Dental Insurance?

Dental insurance is a kind of health insurance that pays for dental care. Patients pay a monthly fee for dental insurance and the insurance company pays a portion of your dental services. Usually, you will pay a co-pay for dental visits and specific services.

If your family, company, or spouse’s company has dental insurance, then it may make sense for you to explore this opportunity. Generally, individual dental insurance is more costly than an employer plan; so if you can be insured through an employer, start doing some research!

Often, dental insurance will cover all preventative costs, which includes two dental cleanings and one set of x-ray’s per year. Some insurance plans have a maximum spending limit, while others do not. If your teeth are prone to issues, understanding coverage costs can help you determine if dental insurance makes sense for you.

What is a Dental Discount Plan?

Dental discount plans offer dental care for a flat annual fee. Instead of receiving coverage for dental services, you receive discounted rates on preventative care and other services. Discount plans vary, but usually cost anywhere between $150 to $350 a year.

If your teeth are in good condition, discount plans usually cost less than dental insurance. A dental discount plan offers the same quality experience, zero co-pay and many plans offer no maximums.

Since you are paying out of pocket for your dental procedures, discount plans aren’t recommended for patients who require a significant amount of dental work from a variety of specialists.

Highlands Ranch Dental Group Has Options

At Highlands Ranch Dental Group, we understand how important it is for our patients to receive dental care, which is why we accept most insurance plans and payment options without insurance.

If you and your family require dental services without insurance, we can help you save! Receive up to 50% off all dental services with the Gloss Dental Discount Plan. Similar to a Costco or Sam’s Club membership, Gloss Patients pay an annual fee for discounted dental services, zero co-pay and no maximum!

Visit our Gloss Dental Discount Plan page for a full list of benefits.

Contact Your Dentist in Highlands Ranch

At Highlands Ranch Dental Group, we are committed to providing exceptional dental care to our patients at the best value possible. For more information about dental insurance coverage or our payment plan options, visit our resources or contact us today.