
At first glance, dental insurance and medical insurance might seem like they should work in similar ways. After all, both are designed to help cover the cost of healthcare. But once you start looking closer, you’ll notice they operate quite differently—and understanding those differences can help you make smarter decisions about your care and your budget.
In general, medical insurance is designed to respond to health problems as they arise, while dental insurance is structured more around prevention and routine maintenance. That difference in philosophy shapes everything from coverage limits to how benefits are used throughout the year.
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