Let's get some perspective into the costs associated with dental insurance versus dental plans. For one thing, the average monthly dental insurance premium is $40 per person, whereas, a discount dental plan for an individual can be acquired for as low as $79.95 per year. So already, your yearly payment for actual dental insurance is around $480 per person -in contrast to the $79.95 price tag of a discount dental plan.

Now imagine the expense of the dental insurance premiums once you add a spouse and children into the equation! Compare that to the most expensive annual low cost dental care plan of $200 for a family.

One of the great features of a discount dental plan is that it can be used in conjunction with dental insurance to provide further savings. In other words, if you do have dental insurance you can use the dental plan to get discounts off your deductible, the percentage not covered by your coverage and the amount that exceeds your cap(most plans will only cover up to $1000-$1500 per year).

To top it off, you can use a dental plan to discount dental work needed for pre-existing conditions. This is not the case with dental insurance as they will not cover pre-existing conditions. If you think about it you will find that it is illogical to have dental insurance unless you get an awesome deal through your company. Why? Look at the facts below: