Can someone recommend me a good individual dental insurance company w/ good insurance plan w/ good benefits?

Answer 1

There are no good individual dental plans in the US. Most "good" coverage is through employers and it's still not very comprehensive.

Please avoid solisitations for so-called dental discount plans which are unregulated and often fail to provide what they promise.

The best way for individuals with no employer-furnished insurance is to self-insure. Set aside a "premium" payment in a special account each paycheck and use it as your substitute insurance. Most dental offices will give a small discount for paying in cash at time of service.

Answer 2

Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.

Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.

Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.

Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.

For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.

For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.

Answer 3

I like my dental plan because it always save me money every time I use it. It's not insurance but a dental discount plan. No limits on visits or services, no age limit, no waiting period, specialists included! This plan does have their own providers but a very broad selection. Save anywhere from 50% to 80 on most utilized dental procedures such as exams, x-rays, teeth cleanings, fillings, root canal, and even crowns! Members can also save 25% to 50% on Braces! The plan is only $11.95 a month for an individual or $19.95 a month for household. You also get 3 additional benefits free with the plan vision, RX, & chiropractic!

Get more information at:

http://www.wehavebenefits.com

At this same website you will be able to find out what dental providers are in your area that accepts this plan, just click on the tab at the top of the page that says Find a Provider.

Answer 4

Check out Delta Dental

Answer 5

Check online with Delta Dental. It is a fantastic plan and not real costly compared to most. It is an insurance not a discount plan.

Answer 6

My corporation dropped dental and imaginitive and prescient besides. I easily have a coupon scientific plan for dental and imaginitive and prescient. coverage for dental and imaginitive and prescient would not pay something. whilst my corporation had imaginitive and prescient I nonetheless paid $320 out of pocket and that i had coverage.

Answer 7

absolutely and it only costs $2: 100 yards of floss and i can promise you that you will never have a problem.

Answer 8

i have Guardian.