Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Apr 3, 2022

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Dental Insurance ComparisonThere is some debate as to whether dental insurance is worth the cost. Some people claim that you pay just as much in premiums as you would if you were paying for your dental services yourself.

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The truth is that these detractors don’t consider the fact that most dental insurance plans include free check ups, free annual x-rays and free teeth cleanings as part of the package. This means that all of those things that you would pay for out of your pocket are included in your insurance costs.

If you have perfectly healthy teeth then you may find that, at the end of the year, your dental insurance doesn’t pay for itself. However, anyone who has ever had a dental emergency is very thankful that they had their dental insurance in place to absorb some of the costs.

Dental Insurance: Comparison of Types

The truth is that there is only one type of dental insurance. However, many people also tend to think of a dental discount plan as a sort of dental insurance and more and more they are being compared to each other.

The thing is, this comparison isn’t really fair, these are two very different things and each have their own merit and value. Some people find that if they purchase both then they have even better coverage than they thought was possible.

Dental insurance is just that, an insurance plan. You have to purchase it directly from a licensed insurance company. Discount dental cards can be sold by just about anyone. For example, you could add dental discount cards as an affiliate program on your website and never get licensed for anything.

Dental insurance and dental discount cards both have to be accepted by the dentist for you to use them. If you have dental insurance with a well known company, then you will probably not have any difficulty finding a dentist to fulfill your dental needs.

A discount card can be another story. If the company you buy yours from is too small, you won’t have the options that you need. Some discount card companies have hundreds of dental offices in every state that accept their card. In most cases you will be able to see if there is an office near you before you actually purchase the card.

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Dental Insurance: Comparison of Service

The cost of dental insurance and a discount dental card can vary depending on what type of plan that you buy and what insurance company that you use. Some sites claim that discount dental cards are far less expensive, but when you are talking about annual costs, they are nearly the same in most cases.

Where you will find the big difference is that discount dental cards don’t ever cap out on the services that you can receive while your dental insurance can, and will if you have a serious dental emergency.

While you don’t receive any free services when using a dental discount card, many people find that getting as much as a 50% discount on many different services whenever they need them is well worth the cost of paying for dental care out of pocket.

Dental insurance usually covers a tiered aspect of services. Cleanings and maintenance is covered 100%, fillings at 75% to 80% and other services from 50% to 75%. This will vary depending on your insurance. You will also find that most insurance companies will cap out at around $1500 for care outside of preventive care and maintenance.

The bottom line is that it depends on how much dental work you think you will need to determine if you need to purchase a discount card instead of dental insurance or if you need to consider both options.

Dental Insurance: Comparison of Cost

In order to determine for yourself which option is best for you, you need to compare the cost of each option. In addition, you need to do a quick rundown of how much you would pay for services with a discount card versus your dental insurance. You may be surprised at what you learn.

In either case, using our free quote tool will help you to find the lowest cost for your dental plan. You can get started now by entering your zip code. Then you will be directed to a series of questions. When you are done, you will be shown quotes from dental services with products for sale in your area.

Get started right now by linking to our free quote tool for free dental insurance quotes!