HomeSupplemental InsuranceWhat is the difference between dental insurance and a dental discount plan?
Supplemental Insurance Basics
What is the difference between dental insurance and a dental discount plan?
Dental insurance is traditional insurance that pays a portion of your dental costs after a deductible and waiting period. A dental discount plan is not insurance — it is a membership that provides discounts on dental services at participating dentists. Dental discount plans have no waiting periods and no annual maximums.
Key Points
- Dental insurance: pays a portion of costs after deductible and waiting period
- Dental discount plan: membership with discounts at participating dentists
- Dental discount plan: no waiting periods, no annual maximums
- Dental discount plan: typically less expensive than dental insurance
- An independent agent can help you compare dental insurance vs discount plans