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which is better - dental insurance or a discount dental plan?
i have to decide to renew Principal dental insurance or go with a discount dental plan. So far Principal hasn't paid much just on one visit for cleaning... I need a tooth pulled and a possible crown. Is it more cost effective to go with a $7/mo plan where most all services are "covered" by way of deep discounts (some are up to 60% and deep discounts for crown buildup that insurance never pays for) or pay $28/mo for maybe having the service covered and if so, maybe getting 50% paid?
what do you think?
1 Answer
- bamaaliceLv 78 years agoFavorite Answer
A big consideration is to see if the discount dental plan has any providers in your area. In my experience, they can be few and far between. Also check to see about any waiting periods for major services, such as crowns. Crown buildups are typically covered under most plans as a basic benefit, similar to a filling. Going to a Principal participating dentist will also save you some money if you chose to keep it. Good luck!
Source(s): 15 years dental and oral surgery office experience
