Where can I find dental insurance to buy on my own (not thru a job)? Does the cost make it not worth it?

Answer 1

If you just need an annual check-up and cleaning you're better off paying out-of-pocket. However, if you need more you have three options with dental.

Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.

Discount plans - Cost - $5-$10 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm concerning these plans.

Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?locationid=20349 specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.

Answer 2

To help you save money on your procedures, I would suggest using a dental benefits plan. Any dental work is expense, so it is wise to go with a plan that will save you money. I have a dental plan that is very affordable for my family. They have been around for 15 years and are the #1 Provider Access Organization in the U.S. It is only $19.95 for an entire household. If it is just you, then the cost is on $11.95 a month. There is no deductible or co-pay. Cosmetic procedures are covered. All specialists and even braces are covered. There are no caps or limits utilizing the benefits. The providers within the network are of high quality and value. Do your research at http://Stacie.OneSimpleCard.com . This plan may be of good use for you. I hope this info is helpful for you. Have a good day.

Answer 3

Dental insurance is usually a joke. You pay them the same or more than they payout in a year. Also, most dentists will make a better deal w/ ya if you don't have dental insurance. You are usually better off to just save that money.

Answer 4

Rule of thumb...

Don't insure anything that you can afford to pay on your own.

If you have to pay some dental bills, I hope that you can manage to pay it over a reasonable period of time without any serious financial strain. If otherwise, you need to start saving more money and making more money. Not having insurance compells you to do a better job taking care of your teeth as well...just another insentive to be thorough with your brushing and flossing.

Answer 5

HELLO,
SOMETIMES PAYING OUT OF POCKET COSTS LESS $ THAN PAYING FOR INSURANCE AND THE PREMIUM.
FOR SOME DENTAL WORK THIS IS CHEAPER THAN GOING THE INSURANCE ROUTE.

Answer 6

it costs alot because the deductible will get you

Answer 7

ase try this
http://www.dpbolvw.net/click-1748196-10308435
http://www.lduhtrp.net/image-1748196-10308435

or

please try this help!