Although their purpose of helping clients save on the cost of their dental treatment is one and the same, dental plans and dental insurance are not the same. In fact, they differ in more ways than one such as in terms of their nature, price, coverage, benefits and requirements. If you are thinking of finding a way to save on the cost of your dental procedures, both are beneficial. However, if you still cannot make up your mind as to which one you should consider, comparing both will help you determine your choice. Read on to find out about their differences.
Dental plans are not in any way can be considered as insurance. They are not dental insurance either. They refer to a program that is offered to the clients so that they can avail of discounts on the cost of their dental procedures that are performed by participating dental professionals. They are regarded as an affordable alternative to dental insurance and are provided by dental plan providers such as Reassurance Dental, which can offer up to 50% discount. The clients and their immediate family members can altogether benefit in a single dental plan. Since they are not dental insurance, there is no complicated paperwork to be completed when the clients apply. They just simply use a form to enroll in the program. The clients do not have to give more personal details other than the basic ones. On the other hand, dental insurance is intrinsically a type of insurance that is provided by dental insurance providers to the clients so that they can save up to 60% or 80% on the cost of their dental procedures that are performed by dental professionals who accept such kind of insurance. Since dental insurance is a type of insurance, it requires a lot of paperwork that needs to be completed. Dental insurance is only issued to the clients and it is not extended to their immediate family members. The clients are required to divulge some personal information pertaining to their health, age and other miscellaneous details that are normally not required when enrolling in a dental plan.
Clients can avail of affordable dental plans by paying an affordable amount on a monthly basis for all benefits and coverage offered. Speaking of dental insurance, the clients can get dental insurance by paying an expensive or affordable monthly premium, depending on the benefits and coverage it offers to the clients.
There is absolutely no waiting period required in dental plans. As a matter of fact, the clients can receive a temporary dental discount card that they can download and use right away while waiting for their actual card to arrive around ten days after they enroll online. On the contrary, dental insurance may or may not require a waiting period, depending on the type of dental insurance plan that the client chooses. Waiting periods can actually last from 6 months to 1 year, which is quite a long wait before the clients can avail of the benefits offered by the dental insurance plan that they choose.