I know that the discount plan provides discounts (duh) but would I be lacking something by not choosing actual insurance.. and what would I lack if so?
What is the difference between the coverage of dental discount plan %26amp;vs. insurance?
Private dental insurance is far superior to a discount dental plan. The problem is that dental insurance is also far more expensive than a discount plan... which is why it's superior!
Most people who have dental insurance get it through their employer who is able to purchase it at group rates making it substantially less expensive then when purchased privately. On the other hand, a discount dental plan costs only a fraction of what dental insurance costs making it very affordable this book because it eliminates the dental insurance company as a middleman and passes the savings on to it's members.
Below is a very interesting article comparing dental insurance to discount dental plans. What it boils down to is dental insurance is better when purchased at group rates (such as through work or may be a credit union) but when you have to buy dental coverage on an individual basis, your best bet is a good discount plan as its far more affordable.
Dental Ins' Compared To Discount Plans (http://www.discountdental4u.net/compared... )
Reply:you would be better off with inus .If itis not to expensve most inus. plans have a cap around $1500.00 with two free exams a year.
check with your dds to see what kind of inus. they carry
Reply:One will save you more money than the other if you
are buying an individual coverage. Compare the
information, contrast, and see what works best for you.
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