I am looking for a good dental insurance plan?

Question

I am in my 50's and have dental insurance but it doesn't cover some of the major things. I am looking for a supplemental insurance program that might help with the major expenses I might incur in the future. Does anyone out there have any suggestions of any companies I should look at?

Answer 1

The above 2 posts are TRUE! However, there is still hope for all. There is a way to receive up to 80% off of your dental visits no matter how many times you go. What I mean to say is. Say you get a cleaning in June and are covered up to 80% you pay about $25 then you want another cleaning in July, Yep you pay $25 again. Try to do that with insurance. What about Braces, you ask. You can receive up to 56% off on braces. Most insurance companies only give $1000 a lifetime for Ortho work. Let's see there is more... There is no age limit, all on going dental problems are excepted. Excluding Braces that are already in the mouth. You could get all this and FREE prescriptions, FREE Vision Care, and FREE Chiropractic Care. You say why do you need all that. Well let us look. Your medical insurance is good and covers vision, say you get a pair of brand new glasses today and someone sets on them next week or even 2 months from now. Will your insurance company, buy you new ones? NOPE! But, you can receive up to 60% off on all lenses and frames. There is so much more!! You want that info contact me. [e-mail]

Answer 2

The above answer is correct. You cannot afford to go without medical insurance, but you can afford to go without dental insurance. Let me give you some figures.

In my company the cost of single coverage for dental is $27 per month. ($324 per year). For that I get 100% (of reasonable and customary) for cleanings. Roughly $100 value per cleaning. So if I have no further problems, I've paid in $124 MORE in premiums than I collected. (Remember in the case of medical, you're more than willing to do that because the risk of a heart attack or fatal disease with catastrophic costs are certainly a possibility). However, most dental plans have an annual limit. My plan has $1000. It only covers a lifetime max of $1000 for orthodontics and then only for kids under a certain age--as an adult, I could not get braces.

So let's say you need a crown, that's certainly a major service which could cost $1,000 and you might want protection for. Well they only pay 50% of R&C.

Bottom line is that if you are paying 100% of the premium and not getting it through a major buyer (like an employer), individual policies are rarely worth it.

Having said all that, I know AARP offers a plan and you can look into that.

Answer 3

I have the same problem..at my dentist he has a supplemental insurance that I am sure is offered nationwide which is like a credit plan and you can apply for and get some type of card for extra dental cost and pay over time..check some of the websites for like a dental credit card or something that sounds the same..also sometimes dentists if you have a relationship with them with give you some time to pay a bill off..my dentist is wonderful..and basically I guess where the cost of dental care has increased over 700%i in the last several years our dental insurance (most) have stayed he same as far a coverage..I don't think people carry dental care like they carry medical coverage.