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101Dentist.com Forums / Dentistry Discussions / Dental Insurance and Financing / What's the difference between dental insurance and dental plans?

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Posted: Jul 14 2008 07:09
Registered User Currently Offline	Posts: 1 Join Date: Jul 2008
I'm thinking of buying dental insurance. I don't know too much about dental insurance. I've heard of dental insurance and also dental plans. Can somebody tell me what the differences are between them? Thanks!

Posted: May 11 2009 15:24
Registered User Currently Offline	Posts: 3 Join Date: May 2009
Dental insurance is just like any insurance, you pay monthly, choose a provider and insurance will pay part or all of your expenses at the dentist. It usually has co-pays, deductibles and yearly caps associated with it. Generally speaking it will give you two times of free cleanings a year and then pay part of whatever proceedures you have done and you're responsible for the remainder. Dental plans are typically discount plans and they're more lenient. They cost less per month, give discounts on all fees the dentist would charge and then the patient pays cash and is done. No co-pays, deductibles or caps on how much you can use it. Typically you can change dentists and they start immediately rather than having to wait. No contracts either. Some insurances and discount plans can be used together if the provider accepts both. Many people save largely by first billing the insurance and then applying the discount to what is still owed. Here's an example for the purposes of additional research: http://www.mybenefitsplus.com/amysun

Posted: Apr 28 2010 03:11 Last Edited By: lindy
Registered User Currently Offline	Posts: 2 Join Date: Apr 2010
I have a Dental plan and I save lots of money, I prefer it over insurance, I have had dental insurance in the past, and I save more money with it then with insurance, my twin 11 yr old girls have had some problems with there teeth and I have saved up to 80% everytime I take them to the dentist.I was so impressed with the sevice I joined the company. lol but if you would like more info on it you can go to www.mybenefitsplus.com/lkosarue

Posted: Jul 29 2010 19:21 Last Edited By: georgeshoemoney
Registered User Currently Offline	Posts: 37 Join Date: Jul 2010
These insurances and plans could save you a lots of $! just choose carefully on what plans you're getting, there are some that gives you more coverage. dentists in orange

Posted: Aug 10 2010 16:08
Registered User Currently Offline	Posts: 2 Join Date: Aug 2010
Alot of companies do not offer dental insurance, and if they do, it's not all that. Have you considered discount programs? View http://www.ChoiceBenefitsNow.com to review the programs. This program is accepted in most states. You can look up providers in your area also. Saving Americans one household at a time! Thanks and best of luck to everyone.

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