To make the most cost-effective decision, it's important to choose between dental savings plans and dental insurance. Let's compare both options to help you determine which one best meets your needs.
Dental Savings Plans
|
Dental Insurance Plans
|
|
|---|---|---|
| Preventative care Routine check ups, cleanings, and x-rays |
100% Coverage |
|
| Basic procedures Fillings, Extractions, Emergency Care |
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| Major procedures Root Canals, Crowns, Bridges, Dentures |
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| No annual spending caps | No annual limits - ideal if you need procedures |
Annual benefit maximum $1000-$2000. |
| No waiting periods* |
6 months
for basic 12 months
for major |
|
| No deductibles | - | |
| No exclusions for pre-existing conditions | - | |
| Provider network | Visit any Aetna participating provider |
Visit any dental provider (in or out of network) |
| Switch plans easily | - | |
| Cost | $150-$200 a year | $400-$700 a year |
*Waiting periods may be waived with prior dental insurance
