A comparison of dental plan types

Dental discount plan Traditional insurance

Premiums

No

Yes, $20–$50/month for an individual and $50–$150/month for a family2

Membership fees (annual fee)

Yes, typically around $1503

No

Copays

No

Depends on plan, typically yes

Deductible

No

Depends on plan, typically yes

Waiting periods

No

Depends on plan

Annual benefit limit

None

Yes

Pay dentist directly

Yes

No