Dental care is about much more than protecting your smile. Routine dental care is necessary to prevent tooth and root decay and other major dental needs in the future. Dental insurance can help to ensure you stay on track with your oral health and minimize expenses for routine and major dental needs.
Dental insurance (PPO, HMO or Fee-For-Service) should always be compared alongside dental savings plans to determine what type of plan would be the most appropriate for your situation. Traditional dental insurance often has higher premiums and annual limits on services, as well as waiting periods for major dental work. Dental savings plans, on the other hand, usually have lower premiums and fewer limits on services. And in some cases, no waiting periods. Depending on the plan, dental savings plans may require you to pay more for each service than dental insurance and also have a stricter network of dentists and dental specialists that may be used than dental insurance plans.