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December 02, 2007

Which is better Dental Discount Plans or Dental Insurance? The Cost Vs Benefits Debate

Dental Insurance is definitely better than a discount dental plan. But it is much more expensive and so can afford to be superior.

Most people who have dental insurance get it through their employer. The employer uses their bulk buying power to get group rates which is much less expensive then when purchased privately or individually. So, if you can get dental insurance their a big employer it is one of the best deals you can ever get as far as dental care goes.

On the other hand, a discount dental plan costs only a fraction of what dental insurance costs making it very affordable. But you only a standard discount on most dental treatment procedures. Dental discounts eliminates the dental insurance company as a middleman and passes the savings on to it's members as discounts.

If you have to buy dental insurance on your own well, don't it is too expensive. You might as well buy a dental discount plan for what ever it is worth and save the money you would pay the insurance company into a separate account called your dental account. Don't touch it unless you have a dental emergency. You will save a lot more, have the choice of dentist and dental treatment and not be restricted to the many rules and conditions of the dental insurance company.

Also, you won't be subsidising the fat salaries of dental insurance company executives and adding to their profit margins.

For example, something like dental implants is not covered by most dental insurance companies. The premiums let's say at $60 a month with $100 deductible and $1,000 annual maximum, means you will be paying - $720 + $100 = $820 out of your own pocket before you realize any gain from your dental insurance.

Then you have the co-payements. Add the numbers and do the math yourself and you will understand the point I am trying to make.

For more information on dental discounts plans.

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