The main difference between dental insurance and dental benefits (discount plans) is in their cost structure and coverage. Dental insurance requires monthly premiums, deductibles, and copayments, and it covers a percentage of dental costs up to an annual maximum. Dental benefits, on the other hand, involve an annual membership fee and provide discounts on services without deductibles or maximum limits. Insurance offers broader financial protection, while discount plans provide consistent savings on treatments with lower upfront costs.