Going to the dentist is important, but should you choose dental insurance or a dental discount plan? There are pros and cons to both, and you’ll want to weigh them carefully before making a decision.
Dental Insurance Pros & Cons
1. The Pros of Dental Insurance
One of the best things about dental insurance is it can help you save money in the event you need a lot of dental work done. This includes receiving fillings, orthodontics or root canals. If you expect to need dental work that goes beyond regular checkups and cleanings, then insurance is handy to have. Also, you can get a family dental plan which can cover you, your spouse and children.
Another benefit of using dental insurance is that it’s often pretty straight forward to use. All it usually entails is scheduling an appointment with a dentist who accepts the insurance. If you’re not sure who in the area accepts it, you can call your insurance provider and they should be able to provide you with a list of providers that accepts their insurance plan.
2. The Cons of Dental Insurance
There is one major downside to insurance and that is the cost. What you’ll pay for insurance depends on factors such as the current state of your oral health and the company you decide to purchase insurance from.
Generally speaking, you can expect to pay a lot and then you could be hit with a huge deductible when the time comes that you need to use it.
Another downside is everything might not be covered. This is why it’s important to check your policy.
By double checking your policy, you’ll know exactly what you’re covered for and what you’re not covered for.
Dental Discount Plans: Pros & Cons
1. The Pros of Dental Discount Plans
Without a doubt, the biggest benefit of a dental discount plan is it will typically be cheaper than traditional dental insurance. A lot of people find that dental insurance plans are too expensive.
This isn’t usually the case with discount plans.
Another benefit of discount plans is you pay for what you need, which isn’t the case with dental insurance. If you only need a specific procedure done, then a discount plan can come in handy.
Generally speaking, you pay an annual fee and then you don’t pay anything else until you actually need the services of a dentist. With insurance plans, you have to pay for it on a regular basis whether you need the services or not.
2. The Cons of Dental Discount Plans
With traditional insurance plans, you get help when the time comes to use it. Sure, you have to pay a deductible and it can be expensive, but nonetheless, you get help.
With discount plans, you receive a discount on the procedure or service you’re about to receive and then you have to pay the rest of the balance. If you require a lot of dental work, then you could easily be left with a huge bill.
Now you know the pros and cons of dental insurance. You also know the pros and cons of dental discount plans.
It’s up to you to decide which one is the better option. Once you do, then you can start shopping around for plans.