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Dental Savings Plan vs Dental Insurance

Dental Savings Plan
vs Dental Insurance

Dental Savings Plan
vs Dental Insurance

What's the difference?

The key differences between dental savings plans and dental insurance in the US are around cost, coverage, and how benefits are paid out.

The trade-off is insurance will fully cover more basics but caps payouts, while savings plans offer consistent discounts but no full coverage. People wanting coverage for expensive work may prefer insurance if able to afford premiums, while savings plans provide an immediate discount and access to treatment without delay. Many also get both if possible.

Note: Dental savings plans provide immediate access to treatment

Key differences

Insurance


  • Requires monthly or annual premiums, cost depends on plan details

  • Covers basic preventive care (cleanings, x-rays) and sometimes basic services

  • Pays an annual maximum amount for covered services

  • Uses networks of dentists, see in-network providers for maximum coverage

  • Often includes waiting periods for coverage on major work

  • Example: Pay $30/month, get 2 free cleanings per year. Covers 50% of fillings up to $1500 max

Savings plan


  • Typically an annual or monthly membership fee

  • Usually pays discounts on all services, no coverage maximums

  • Often lets you see any provider, dentists in the plan may offer deeper discounts

  • No waiting periods, discounts apply immediately

  • Example: Pay $70/year fee, save 15-50% off dental services depending on the provider

See pricing and dentists near you

Can you combine a savings plan with insurance?

It's often a good idea to combine dental insurance and a savings plan in order to maximize both cost coverage and consistent discounts on dental care. Here are a few key points on how they can work together:

  • Use insurance for basic preventive services

  • Savings plan can fill in gaps in coverage and lowers costs further

  • Maximizes overall affordability

  • Choose dentists that participate in both your insurance network and the savings plan

An example: a patient has dental insurance for 2 cleanings per year but needs 4 total. They also require a tooth extraction not fully covered by insurance. The savings plan applies 20% discounts to the 2 additional non-covered cleanings and then saves 30% on the patient portion of the extraction.

A

low cost

alternative

No Waiting

Book an appointment immediately after joining.

Some dental insurance plans have waiting periods up to 6 months.

Flexible & affordable

We offer a low monthly cost and 15-50% off all procedures.

Insurance can be $30-40/month and often requires claims to be submitted.

No exclusions

All procedures are discounted and there is no annual limit.

Traditional insurance sometimes excludes certain procedures and comes with annual limits.

alternative to insurance

A

low cost

No Waiting

Book an appointment immediately after joining.

Some dental insurance plans have waiting periods up to 6 months.

Flexible & affordable

We offer a low monthly cost and 15-50% off all procedures.

Insurance can be $30-40/month and often requires claims to be submitted.

No exclusions

All procedures are discounted and there is no annual limit.

Traditional insurance sometimes excludes certain procedures and comes with annual limits.

A

low cost

alternative

No Waiting

Book an appointment immediately after joining.

Some dental insurance plans have waiting periods up to 6 months.

Flexible & affordable

We offer a low monthly cost and 15-50% off all procedures.

Insurance can be $30-40/month and often requires claims to be submitted.

No exclusions

All procedures are discounted and there is no annual limit.

Traditional insurance sometimes excludes certain procedures and comes with annual limits.

The dental membership

that covers

everything

Individual

$7.50/month

Member +1

$11.00/month

Family

$15.00/month

No waiting time

Join and book your first appointment in minutes.

No deductible

You pay the discounted rates directly to the dentist.

No limits

No annual limits on your benefits for you or your dependents.

No exclusions

No pre-existing conditions are excluded.

Save 15%-50% on dental

All treatments included; even those often excluded by insurers.

Product discounts

Save up to $15 every month on products from our partner brands.

The dental membership

that covers

everything

Individual

$7.50/month

Member +1

$11.00/month

Family

$15.00/month

No waiting time

Join and book your first appointment in minutes.

No deductible

You pay the discounted rates directly to the dentist.

No limits

No annual limits on your benefits for you or your dependents.

No exclusions

No pre-existing conditions are excluded.

Save 15%-50% on dental

All treatments included; even those often excluded by insurers.

Product discounts

Save over $15 every month on products from our partner brands.

Choose from a trusted network of 260,000 practice locations.

All dentists are members of the Aetna Dental Access Network

See pricing and dentists near you

Choose from a trusted network of 260,000 practice locations.

All dentists are members of the Aetna Dental Access Network

See pricing and dentists near you

Save 15-50%

Save 15-50%

on all dental procedures

Get $15 monthly

Get $15 monthly

in savings on healthcare products you use daily

in savings on healthcare products you use daily