Savings Plan vs Insurance Calculator
Compare dental savings plans and traditional insurance to see which option saves you more money annually.
Insurance Details
Savings Plan Details
Insurance
Total Annual Out-of-Pocket
$1,120
Savings Plan
Total Annual Out-of-Pocket
$1,720
Insurance is cheaper by $600 per year.
Savings Plan vs Insurance Calculator FAQs
Dental insurance involves monthly premiums, deductibles, and annual maximum caps, paying a percentage of your care. A dental savings plan (or discount plan) is a membership program where you pay an annual fee in exchange for discounted rates at participating dentists, with no caps or deductibles.
It calculates the total annual cost of insurance (12 months of premiums + deductible + your percentage of the treatment cost) versus the total annual cost of a savings plan (annual membership fee + discounted treatment cost) to highlight which option leaves you with the lowest out-of-pocket spending.
No, just like insurance, savings plans operate within specific networks. You must verify that your preferred dentist or local dental clinics accept the specific savings plan network you are considering joining.
Generally, no. You cannot combine or stack a discount plan with insurance for the same procedure. You must choose to use either your insurance benefits or your savings plan discount for a specific treatment, whichever offers a better rate.