i think the main difference is if i have car insurance A and get into an accident they send me to body shop A, or at worst i go to body shop and send insurance the bill. If i need to see one of the 15 dentist in my area and there 100s of dental insurances there is no guarantee they take my insurance. When i switched dental insurance to another big regional one, my current dentist didn't accept that insurance, so now im paying out of pocket or finding a new dentist.