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Difference Between Dental Insurance and Discount Dental Plan

Difference Between Dental Insurance and Discount Dental Plan

Discount dental plans are an affordable choice over traditional dental insurance in a number of ways. The question here is how a person can choose one of these and which one among these is the better alternative to go for. Here we will examine the contrasts between the two dental arrangements.

Dental Insurance

Dental insurance is the primary choice for any individual going to choose for the dental care procedure. The very first idea that comes to mind while opting for the dental care cover is obviously dental insurance. It is the traditional method for getting coverage for all your dental care procedures.

Dental insurance offers you reimbursement for the dental care costs, and with the help of dental insurance, you will get all your dental care expenses back. There are a few criteria or conditions to choose dental insurance for your whole dental care procedure. Dental insurance has no provision for the coverage of retired individuals. What’s more, you will not able be to avail coverage in case you have any pre existing dental issue.

One more drawback for dental insurance is that you require undergoing pre medical certification tests in order to prove any pre existing dental issues. Apart from that, you need to fill a number of confusing forms in order to get the costs of your dental care returned.

All in all, dental insurance is well suited for regular preventive care such as fluoride treatments and teeth cleaning. However, if you are thinking of buying dental insurance to get coverage for treatments such as the root canal and you need it immediately, then you will definitely make a mistake by opting for dental insurance.

Discount Dental Plans

Discount dental plan, as suggested by the name, isn’t an insurance plan. Discount dental plans offer discounts on all types of dental care treatments. With these plans, you can get discounts from 10% up to 60% on all of your dental care treatments, be it intense or preventive dental care procedures. It provides coverage for all major dental work such as braces, dentures, root canals, etc.

In discount dental plans, you are provided discounts over your entire dental procedure while you are paying your dentist. All you need to do is show a membership card and you’ll be provided discounts over the procedure.

Discount dental plans offer coverage for all sorts of dental care procedures, such as the ones mentioned above as well as cleaning and teeth whitening. Apart from that, you can avail discounts on cosmetic dentistry treatments as well. Needless to say, discount dental plans are an inexpensive and easy option over dental insurance.