The final type of "insurance" is called a Discount plan. This type of plan is what you will typically find if you do not have a company that has a group dental plan. Personal dental insurance is very expensive and so many companies will try to sell you this type of plan at a reasonable price and say it is insurance.
The truth is, this is NOT insurance. Some dentists will sign up with these discount plans and all they have to is agree to charge those patients certain fees for each procedure. The problem is that most of the fees are VERY SIMILAR to a normal dentist's fees. They may be slightly lower cost depending on how high end that particular office is. But for the most part, its just a big waste of money. So make sure if you are getting insurance and its not from you work, that you are actually getting a PPO insurance, or at least (dare I say) HMO =/ . Otherwise you won't get any coverage and you will have spent your money on nothing.
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