Believe it or not dental plans and dental insurance are not the same. Surely enough, many people tend to confuse these two things but in fact they offer different coverage and involve different processes.
Before you start your research, it is important to be aware that there are some basic differences. Knowing it allow you to choose better and get a one that adapts to you budget.
When we are talking about dental plans, we need to either call a dental insurance company or a dental plan company to sign an agreement. This agreement will get settled after undergoing a simple process of approval that will allow you enjoy the discounts on dental procedures done by your dentist or one from a network within your preference zone. To start using it, it will suffice to submit an application and pay the membership or other additional charges.
There is little complication with dental plans when it comes to getting discounts because you do not really need to wait for the paperwork to be approved to get your money back. You may choose to go to your same practitioner or choose one from the pre-established network.
Dental insurance on the other hand is a more complex procedure. They will first ask you to prove that you do not have preexisting conditions, and you will have to also have a doctor perform some tests on you in order for the application to be approved. The payment dynamics are also different. With using your dental insurance, you will have to cover the cost of the procedure and submit more documents to get your money back.
It is easy to see how choosing one or the other is complicated. It is important to always read the terms and conditions of every contract we sign. Different policies will cover you for different things, have different discounts and payments.
Some policies establish that some procedures have a standard discount percentage. Group dental insurance policies are the ones that often allow for more savings and you also obtain quality dental care for you and your family.
Depending on your case, you may also ask a dental insurance company about familiar dental insurance, or for students, or for braces.