Compare . . .
Dental Insurance vs. Dental Plan
The following is a brief summary for comparison
purposes only.
Discount Dental Plan = CAREINGTON (500 Series)
Dental Insurance = Secure DentalOne (Classic Plan)
These Plans Are Designed For Individuals And Families
| Feature | CAREINGTON (500 Series) Discount Dental Plan |
"Secure ClassicOne" Dental Insurance |
| Sample Monthly Cost |
Individual - $6.95 | Individual - $22.00 to
$34.00 Varies by Zip Code |
| Dentists | Must use network dentists. | May use any dentist (except orthodontics). |
| Benefits | Published discounted
fees. 20% to 60% off most procedures. |
Up to $750 per year, subject to deductible and coinsurance. |
| Waiting Period for Benefits | No waits required. | No wait for preventative and diagnostic. 6 months for basic. 12 months for major. |
| Deductible | None. Discounts apply immediately | $100 lifetime deductible. |
| Feature | CAREINGTON (500 Series) Discount Dental Plan |
"Secure ClassicOne" Dental Insurance |
| Annual Benefit Limit | No limit | $750.00 |
| Claim Forms Needed? |
No | Yes |
| How Quickly Can You Begin? | You may begin immediately (as of 1st of current month), or the first of next month. | Begins the 1st of the month following receipt of application and payment. |
The main advantage of
Dental Insurance is that (normally) you can go to any
dentist for covered services. The disadvantages are monthly cost,
waiting periods, and annual limits.
The main disadvantage of a
Discount Dental Plan is that you
must use plan dentists for all benefits. The advantages are low monthly
cost, no waiting periods, and no annual limits.