Family dental insurance can be expensive. It makes sense to have it if you or your family need more than average dental work. In fact, if that’s the case, I highly recommend being on a dental insurance plan. The benefits you receive will likely outweigh the monthly premiums you pay, making insurance the most advantageous. However, if your family doesn’t use their dental insurance plan often, keep reading to learn about an idea that can save your family hundreds of dollars per year.Who Should Consider a Discount Plan?If your family’s dental costs are below average, and a normal year for your family consists of two cleanings and an occasional filling or crown, you may not want to pay high insurance premiums, when you don’t utilize your plan much. If your family is in this situation, you may want to consider a discount dental plan.Self Insuring for Dental ExpensesSome people completely self-insure when it comes to dental expenses. It just makes sense in some cases. Luckily there is a middle ground between self-insuring and having an expensive dental insurance plan. It’s an option that allows you to have dental protection at a very affordable price, in case you or your family need serious dental work.The Secret to Saving MoneyMany families go on from year-to-year paying their high dental insurance premiums, only to not use their insurance at all. That’s great, because it means those families have healthy teeth. But they are paying high insurance premiums to the insurance company every single month. The insurance company pockets that money and uses it to pay out other peoples claims. It’s not a good deal for the family with healthy teeth.How Your Family Can BenefitWhat if your family could save those premiums (or at least most of them) and still have quality dental protection? That’s the idea behind family discount dental plans. The annual cost is so low, that you can save most of the money you would have paid your insurance company, and still have quality protection.What makes these plans particularly appealing to families is that insurance premiums are relatively high, so the potential for savings is much greater.