Dental savings plans vs. dental insurance?

Let’s walk through the differences between dental savings plans and dental insurance —so you can discover which dental plan matches your lifestyle best.

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We want you to live life with a clean, healthy mouth—and both dental savings plans and dental insurance can help you do that. But it’s important to consider the differences between these plans and choose the one that best matches your needs. Let’s dive in.

Dental savings plans Dental savings plans
Dental insurance Dental insurance
Preventive care Routine check ups, Cleanings, and X-Rays
Basic procedures Fillings, Extractions, Emergency Care
Major procedures Root Canals, Crowns, Bridges, Dentures
No annual spending caps
No waiting periods*
No deductibles
No exclusions for pre-existing conditions
Switch plans easily
*Waiting periods may be waived with prior dental insurance.
Dental savings plan icon

Dental savings plans

If you need more than just preventive care—or you’d rather only pay for the services you need—this option might be for you.

Dental savings plans give you unlimited access to reduced rates on nearly every procedure, with no annual limit.

Plus, you don’t have to spend a certain amount of money before savings kick in.
Once you pay your annual membership, you simply show your card at the dentist to claim your savings.

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You can use it right away

There’s no need to wait to use your dental savings plan. You get access to reduced rates on dental care within days of signing up.

You can save on virtually any procedure

We mean it. You can save on virtually any dental procedure, big or small, with your dental savings plan. And plan members say they save an average of 50% off*.

Unlimited flexibility

Needs change? Your plan can too. Give us a call and we’ll make sure you always have the best plan for your upcoming care. Choose from over 25 plans.

*Discount Health Program consumer & provider surveys indicate average savings of 50%. Savings may vary by provider, location, and plan.

Dental insurance

Do you only need preventive care like your cleanings and check-ups? Dental insurance typically covers preventive care at 100%, making it a great option if you don’t need larger dental work.

Some insurance plans allow you to go to dental practices in or out of network, though the out-of-pocket costs are typically higher when you go out of network.

Keep in mind that dental insurance works differently than medical insurance. Most dental insurances will cover expenses until you hit your annual maximum (the most they’ll pay for your dental care in a year) then you’ll be responsible for the rest. We recommend keeping a close eye on your deductibles, annual caps, uncovered procedures, and any waiting periods.

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Coverage in and out of network

Some insurance plans allow you to go to dental practices in and out-of-network, though the out-of-pocket costs are typically higher when you go out of network.

They cover 100% of preventive care

Your preventive care—like routine teeth cleanings, x-rays, and oral exams—are usually covered at 100% by dental insurance.

They cover 80% of the basics

Most dental insurance plans cover 80% of cavity fillings, simple extractions, and deep teeth cleanings until you hit your maximum.

Find a dental plan that’s right for you.

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