Which Is Better - Dental Insurance or Dental Plan? Let's Take A Quick Look!

And Just Why Do You Think Dental Insurance Is So Great??

Many people are under the misconception that discount dental plans are a "low class" alternative to dental indemnity insurance.  It probably has something to do with the word "Discount".  You may be one of those people who believe that having your dental work done at a discount means that you are going to receive substandard or discounted care.

Nothing could be further from the truth!!!

The fact of the matter is that dental indemnity insurance is one of the most costly of all types of insurance and it pays the least in benefits.  Dentists accept dental indemnity insurance only because most major companies offer it as a benefit to their employees.  Once the cost of advertising, rejected claims, duplicate X-rays and so on and so forth are added in, dental indemnity insurance is not quite as lucrative for them as it may appear.

If a dentist is any good, why would they honor a discount plan?

First of all…  The credentialing process for a dental discount plan is much the same as it is for insurance companies and in some cases maybe harder.  The biggest reason a dentist will accept a discount plan is Post-Paid Advertising.

Once the dentist is on the plan, the plan advertises for the dental office.  The way the dentist pays for this massive advertising is by agreeing to discount his/her fees to the fees set forth by the plan.  Some plans use a set fee schedule, while others use a sliding scale fee schedule. So, in a nutshell, the dentist joins the plan, members join the plan, dentists get new patients and the patient saves more money than they ever could with dental indemnity insurance.  Rest assured that the only thing that is discounted with a dental plan is the price you pay.  Your quality of care is not affected! The treatment you receive is the same as if you have insurance or are paying in cash.

Click On Any Plan Name For An In-depth Comparison Against Savon Dental Plan
Plan (click on plan name for details) Yearly Cost single Yearly Cost Double Yearly Cost Family Percent Coveraged Deductible, Maximum Benefit & Waiting Periods
Savon Dental Plan 7 Pricing Choices $99.00 $139.00 $179.00 50% NONE OF THESE…  EVER
Ameritas Progressive Plan 1000 $476.40 $954.00 $1,623.60 0 to 100% $100/$1000 - 6-12 months - up to 38 months
Ameritas Progressive Plan 750 $455.20 $888.00 $1,510.80 0 to 100% $100/$750 - 6-12 months - up to 38 months
Ameritas Traditional Plan 1000 $495.00 $992.40 $1,485.60 0 to 100% $50/$1000 - 3-12 months
Ameritas Traditional Plan 750 $460.80 $922.80 $1,381.20 0 to 100% $50/$750 - 3-12 months
Delta Dental Veterans Comprehensive Plan $317.40 $634.80 $952.20 0 to 100% $50/$1500 - 12 months for major work
Delta Dental Veterans Standard Plan $116.76 $233.52 $350.28 0 to 100% $50/$500 - No Coverage for Major procedures
Encore 1-2-3 Insurance Plan $378.36 $756.72 $1,330.08 0 to 100% $50/$500/750/1250 - 25 months for full benefit
Encore A - 1000 $387.48 $924.84 $1,501.08 0 to 100% $50/$1000 - 12 months for major 50% coverage
Encore B - 850 $354.72 $756.72 $1,031.40 0 to 50% $50/$850 - 12 months for major work
HumanaOne Dental Loyalty Plus $428.88 $836.76 $1,652.52 20 to 100% $150-450/$1000-1500 - 50% after 24 months
MetLife Preferred Dentist Program (PDP) $514.92 $1,029.93 $1,565.64 0 to 100% $50/$1500 - 6 mo basic - 12 mo major
MetLife Veterans Dental Plan High Option $456.72 $817.59 $1,224.00 50 to 100% $50/$1500 - No Waiting 50% coverage
MetLife Veterans Dental Plan Standard Opt. $207.24 $388.32 $596.64 0 to 100% $50/$1300 - No Waiting 30% coverage
myCigna Dental 1000 Plan $300.00 $600.00 $900.00 0 to 100% $50/$1000 - 6 mo basic - 12 mo major
myCigna Dental Preventive $204.00 $408.00 $612.00 0 to 100% $50/$1500 - No Waiting - Preventive Only Covered
SecureCare Indemnity - 3020 $547.92 $1,022.28 $1,564.68 50 to 100% $50/$2000 - 6 mo basic - 12 mo major
Security Life Advantage Plan $262.44 $524.76 $839.76 50 to 100% $50/$500/1000 - 50% after 24 months
Security Life Advantage Plus $443.52 $904.08 $1,542.36 50 to 100% $50/$500/1000 - 24 months for best coverage
Security Life Complete Plan $522.48 $1,045.08 $1,672.08 50 to 100% $50/$1000 - 6 mo basic - 15 mo major
Security Life Essential Plan $214.92 $429.84 $687.72 0 to 100% $0/$500 - 6 mo basic - major work not covered
Fee comparisons are calculated using Zone1 Urban Fee Schedule.  Other Zones and Rural areas will be higher

We Did The Math…  We're Better Than Insurance And We'll Prove It!

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