Dental Savings Plans and Dental Insurance Plans
Easy Street Insurance offers both Dental Insurance Plans and Dental Savings Plans. The difference between Dental Insurance and Dental Savings is that Dental Savings do not pay any dental expenses for you. Instead, they provide dental discounts that can be used through participating dentists. The benefits of a Dental Savings plan is that there are usually no deductibles, no waiting periods, and no annual maximums. Dental Savings Plans come in a variety of flexible plans so that you can find the best options to suit your individual needs.
On the other hand, Dental Insurance is a great option if there are multiple people on your plan. This is because the maximum amount of the plan oftentimes applies to individuals and not entire families.
So, which is the best option? The best options for your needs depends on a variety of factors.
Do you have a dentist you know and trust? If so, knowing their rates and what insurance coverages they accept, which Dental Savings Plans they participate in, and how often you visit them will all be factors in choosing the option that gives the most bang for your buck.
Are you prone to cavities and/or tooth/gum related issues? How often you need to visit your dentist plays as well as the severity of your issues plays a key role in choosing the right plan. A root canal will cost more than a routine check-up, so its important to know what types of procedures you’ll be seeking coverage for.
Are you the only one seeking coverage? If you’re the only one seeking coverage and don’t plan on visiting the dentist often, then a Dental Savings Plan may be the way to go. However, if you’re married with children its important to shop around for both a Dental Savings Plan and Dental Insurance. A Dental Savings Plan could save you more money in the long-run, but a Dental Insurance Plan may provide more reimbursement overall. Without proper comparison, there’s no way to know.
Unsure where and how to begin searching for dental coverage? Give us a call at 317-882-9602. We'll be happy to review your coverage options with you or to navigate the Dental Plans website.