Question: I do not have current dental insurance and very little money,  I am told that I need some dental work on my teeth so I started looking for dental insurance.  Right now insurance seems too costly for me but a few of my friends are telling me to stay away from dental discount plans because they are not any good is that true.

Reply: I think any thing that going to help you with the cost of your dental care is going to be good.   There is nothing wrong with dental discount plans what is important is to understand what they are not (insurance) and how they help you.

Dental discount plans are not insurance plans. This is important to note because people that tend to get upset, buy dental discount plans thinking they are insurance plans.  Sometimes that is do to the site not be clear enough or more likely the person not fully reading about the plan before buying.  However, that dose not make discount plans “bad”.  Dental discount plans do what they state they do, for a very low cost of the plan they help to reduce your dental care costs.  You do have to go to plan dentist to receive the savings shown on the plan.

Because these type of plans are not insurance most also start within the next business day of buying them and unlike many dental insurance plans they do not have waiting periods, maximum limitations or deductibles. Your saving may not be a high as some insurance plans but you do receive discounted saving on all dental care received by a plan provider.   I say do not rule out a dental discount plan if it fits your budget better just know what you are buying. I suggest calling the plan provider before buying and confirm that they are still plan providers and anything else that is important to you in choosing a dentist.  That way you can feel more confidence about buying a dental discount plan knowing there are dental offices that also fit your needs.