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Compare Dental Discount Plans and Dental Insurance for the Best Savings


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Many consumers are confused by the difference between dental discount plans and dental insurance. Both plans may be provided by large companies, even insurance companies, that have extensive networks of participating dentists. However, to make a good decision, a consumer would need to understand the difference between the two types of dental plans. Some individuals will benefit more from a dental discount plan, and some will enjoy the coverage of dental insurance. Many individuals will even choose to use both plans to their advantage.

Some of the characteristics of Dental

Insurance include:

  • Limitations, deductibles and annual maximums

  • Waiting periods for major dental procedures

  • Tedious and time-consuming written claims process

  • Limitations/exclusions on pre-existing conditions

  • Certain dental specialties, such as cosmetic dentistry, are rarely covered

  • Consumers pay expensive monthly premiums for defined coverage

  • Typically harder to come by for individuals and families unless provided by their employees. Seniors, and those with pre-existing conditions, may have a particularly tough time finding an affordable dental insurance plan.

    Note that Dental Insurance does pay a portion of covered procedures.

    Some of the characteristics of Discount Dental Plans include:

  • No annual limits, members enjoy discounts on most dental services all year long

  • Most plans activate within 1 - 3 business days

  • No tiresome paperwork hassles, plan membership card is presented for discounts on most dental services

  • No health restrictions

  • Select plans include discounts on dental specialties, including cosmetic dentistry and


  • Consumers pay affordable membership fees for access to a network of providers offering discounts on most dental procedures

  • Available directly to individuals, families, businesses and other groups

    Note that Dental Discount Plans allow you cheaper access to dental services, but do not typically pay a portion of dental services.

    Discount dental plans are an affordable and easy-to-use alternative to dental insurance, and offer plan members significant savings on most dental procedures. If you do not get dental insurance through your employer, considerable an affordable dental discount plan. Even if you do have dental insurance, dental discount plans will help you with expenses that may not be covered like braces, cosmetic work, and dentures. Seniors, people with pre-existing conditions, and those people who need non-insurance covered work may really benefit from a good dental discount plan.

    One of the most important ways that you can determine if a dental discount plan will work for you, is to find your own dentist, or a good local dentist, who already participates in the plan's dental network.

    Use our free online tools to find top dentists and comprehensive dental plans !

    A dental discount plan from a major company can give you fast access to affordable dental care.

    M Katz has helped hundreds of families find affordable insurance and health plans online!

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