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Dental discount plans vs insurance

By About Dentist editors · Updated · How we research costs

A dental discount plan is a membership that gives you reduced fees at participating dentists. It’s not insurance: nothing is paid on your behalf, but there are usually no waiting periods or annual maximums.

Side by side

Discount plan Dental insurance
Cost About $80-$200 a year About $15-$60 a month (individual)
How you save Reduced fees (often 10-60%) Plan pays a % of the bill
Waiting periods Usually none Often 6-12 months
Annual maximum None Usually $1,000-$2,000
Dentist choice Participating dentists only Any dentist (PPO) or network (HMO)

Choose a discount plan if

  • You need major work soon and can’t wait out a waiting period.
  • You need more work than an insurance maximum would cover.
  • You only want cleanings and occasional work and don’t have employer coverage.

Choose insurance if

  • Your employer pays part of the premium.
  • You have kids who need sealants, fluoride or braces.
  • You want predictable costs for routine care.

Run your own numbers: insurance vs discount plan calculator.

Frequently asked questions

Are dental discount plans legit?

Many are legitimate, but they are not insurance. Check that local dentists you want to see participate, read the fee schedule, and make sure you can cancel easily.

Can I use a discount plan and insurance together?

Sometimes, for services your insurance doesn’t cover or after you hit your annual maximum: check both plans’ rules and ask your dentist.

How fast can I use a discount plan?

Usually within a few days of joining: there are typically no waiting periods.

What’s a dental office membership plan?

Some practices sell their own yearly plan (often $250-$400) covering cleanings, exams and X-rays plus a discount on other work. It can be a good deal if you like that dentist.

Questions from readers

Question about Dental discount plans vs insurance? Ask it here. We answer general questions on this page. For anything about your own teeth, ask your dentist.

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