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Dental Insurance vs. Dental Discount Plans

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Unlike dental discount plans, dental insurance pays you cash benefits for covered services. Dental discount plans offer you reduced prices. Here are the key things you should know about each option:1

Individual Dental Insurance Dental Discount Plan
Individual dental insurance is real insurance. In other words, you pay a monthly premium to an insurance company that, in turn, pays cash benefits for covered services. Dental discount plans do not pay any dental expenses. Rather, you enroll in a program that offers you reduced prices on services when visiting an in-network dentist.
Dental Hero 006

How we care for our teeth can directly affect the health of our whole body. In fact, a dentist can be the first medical professional to detect warning signs of serious health problems in patients — like heart disease, diabetes and osteoporosis.

Yet, more companies are dropping dental insurance for retirees, so many older Americans don't have coverage for proper dental care. In fact, 90 percent of Americans lose their dental insurance when they retire.2

Luckily, you have two options to save money on dental bills with either dental insurance or a dental discount plan. But how do you know which to go with? Consider these key questions when choosing the option that's right for you.

Cost vs. Savings

  • How much does each cost?
  • Which will save me more money, the dental discounts or the amount of cash benefits I can receive with dental insurance?
  • Will the discount plan lower the price of my bill enough so I can afford to pay the balance?


  • What services are included in the discount plan?
  • What services are covered under the dental insurance?
  • Which option covers the services I will need and use the most?

Choosing My Dentist

For dental insurance:

  • Does the insurance allow me to see any dentist I want?
  • Does the insurance offer me discounts if I choose a dentist in their network, but still pay me benefits no matter which dentist I choose?

For dental discount programs:

  • Which dentists are included in the network? (Discount plans require you to see certain dentists in order to receive lower prices; your dentist may not be included.)

Because the two are so different, it's important to gather all the information to make the right decision. That way, there are no surprises when you go to the dentist. Remember these key differences: Dental insurance pays you cash benefits, while a dental discount plan offers you reduced prices.

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If you'd like to talk with someone about your insurance options, we're here to help.

Give us a call at 1-800-469-81381-800-469-8138.

Information from:
1 "Should I Use a Dental Discount Card or Dental Insurance to Save on Dental Care?", May 3, 2017
2 "Long-in-the-Tooth Dental Advice," The New York Times, by Ann Carrns,, Nov. 18, 2014

Arizona resident limitations

New York resident limitations

This coverage and offer are not available in all states. Please contact us to see what coverage may be available in your area.

Important Disclosure Information

Insurance Certificate C250A (ID: C250E; PA: C250Q); Insurance Policy P150 (FL: P150FL; GA: P150GA; NY: P150NY; OK: P150OK; TN: P150TN; TX: P150TX) Insurance Rider Kinds: B424 (ID: B424C)/B426 (B426G)