Is Health Insurance The Same As Dental Insurance?

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   Chris Lynch

   Owner, Simple Choice Agency, Indianapolis

   Health Insurance and Dental insurance are definately not the same. Dental insurance most certainly is an optional product that can be purchased stand alone alongside any other medical product. Dental insurance always has a specified "waiting period" before services can be performed and dental insurance either pays on a percentage of the total bill or it pays a flat dollar amount per service billed. All dental policies have a calendar year maximum that is payable. Some have deductibles, some do not. Health Insurance on the other hand always has a deductible and out of pocket, does not have a waiting period, and does not have an annual cap on benefits. Dental benefits or out of pockets do not have anything to do with health insurance out of pockets.

   Answered on September 4, 2014

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