Honed Proof
Dental insurance vs discount plan
Insurance charges a premium and caps payouts; a discount plan charges a fee and cuts prices. Pick your year's procedures and see the real total.
Check off your year's procedures
We'll total what each option costs you for the full year — premiums and fees included.
VERDICT
$0
Dental insurance
$0
Premium + your share of the year's procedures.
Discount plan
$0
Annual fee + discounted procedure prices.
The year in numbers
- Assumed procedure charges
- —
- Insurance: premium
- —
- Insurance: your procedure share
- Insurance: annual total
- —
- Discount plan: fee
- —
- Discount plan: discounted care
- —
- Discount plan: annual total
- —
- Break-even note
- —
Before you decide
- Discount plans usually have no waiting periods or annual caps. Insurance plans often make you wait 6–12 months for major work.
- The discount must come from participating dentists. Your current dentist may not take the plan — check the provider list first.
- Insurance plans cover preventive care at 100% — if you only need cleanings, insurance can still lose to a discount plan on price alone.
- Check what's actually discounted. Discount plans set their own fee schedule per procedure; the % you entered is an estimate.