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Dental insurance is just like health insurance, right? You sign up, pay a premium, and the insurance company covers your costs. You’re protected against the unpredictable.
Actually, that’s wrong.
Dental insurance isn’t like health insurance, or any other form of insurance, for that matter. Turns out it’s more like a pre-payment plan, one with limitations and exclusions.
Read on to learn more about how dental insurance works and how discount plans like DentalSave can offer a better deal.
But dental insurance…
Payouts are limited
Dental insurance is different, mostly because dental insurance plans usually put a relatively low limit on the annual claims they’ll pay out.
You still pay a regular premium, and your insurance company still pays the cost of your care. However, most dental insurance plans cap your claims at $1,000-2,000 in any given year. Anything beyond that falls to you.
Compare this other kinds of insurance. Health insurance benefit caps are much, much higher, while insurance on homes and cars typically covers their full value.
Looks more like pre-payment
Relatively low benefit caps aren’t a problem for many dental-insurance buyers, as few hit their annual maximums. But they make dental insurance look more like a pre-payment plan than traditional insurance.
You put away a little bit of money every month in the form of a premium, but if you need extensive dental care, you may end up paying for most of it out of your own pocket. On the flipside, if you don’t need much dental care at all, you’re probably not getting back what you pay in premiums.
This is why more and more people are looking at dental discount plans as an alternative or complement to traditional insurance.
Sign up and start saving
Joining DentalSave takes only a few minutes, and the savings start right away.
