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Dental Insurance Vs. Dental Discount Plans | LADD Dental Group

Dental insurance versus dental discount plans "Before jumping into details, here’s a quick overview of the two offerings: Dental insurance Individual dental insurance costs more than insurance through an employer. According to the most recent figures from the National Association of Dental Plans, individual plans cost $4-$15 more per month than group plans (those offered through employers) and $20-$35 more for family plans. In 2016, the average DHMO (similar to HMOs for health insurance) premium cost $14.06 per month for employee-only coverage. The average DPPO cost $24.49 per month. Premiums for individual insurance would be higher, based on past research. DHMOs are generally cheaper than DPPOs , both in premium and in service cost, but only if you go to an in-network provider, according to  Guardian Life Insurance . Most DHMO networks are small, limiting your provider options, and you may be required to choose a primary care dentist. DPPO plans have larger networks an...