A comparison of dental plan types

Dental discount plan Traditional insurance

Premiums

No

Yes

$12–$30 per month*

Membership fees

(annual fee)

Yes

$75 single/$100 family*

No

Copays

No

Depends on plan

Deductible

No

Depends on plan

Preventive services covered

(exams, root canals)

Discounted 10%–60%* with in network providers

Yes**

Basic services covered

(fillings, root canals)

Discounted 10%–60%* with in network providers

A percentage of the cost, depending on the plan you select

Major services covered

(crowns, bridges)

Discounted 10%–60%* with in network providers

A percentage of the cost, depending on the plan you select

Waiting periods

No

Depends on plan

Annual benefit limit

None

Yes

Pay dentist directly

Yes

No

*On average, depending on your location
** Often, depending on plan