Which Do You Prefer? Medical/Dental Insurance OR an Medical/Dental Discount PLAN

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I would like to know which you guys prefer if you where given an option to choose an Insurance Company or Discount Company for your Med/Dental Needs? And can you explain Why? Okay, I will start: I would prefer a Discount Company because I would not have to experience too high premimiums, there would be no deductibles, no claim forms, and no waiting periods; however I guess after the discount is tallied I would have to pay in full- the discount at the time of service, but it wouldn't really be a problem to me because I would be so happy to have saved on a great portion of the "service price". Now, this is just my opinion now what do you think? Keep in my this is only a Poll...I would appreciate any feedback- it will help me to make a wiser decision