Do anyone know anything about Dental Insurance?

I am trying to purchase some dental insurance for my family and i would like to know of any good companies for indivdual coverage.
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My personal experience is that most families with fairly healthy teeth lose big time buying their own insurance, and that families with unhealthy teeth at best break even. The cost of regular checkups and daily home care (flossing and brushing) is far cheaper out of pocket than out of most individual insurance plans premiums. I would advise you to first do research on how dental insurance works, decide what (if any) coverage you need, and find a good broker if you still decide that you want it. The only time recommend dental insurance to a patient is if their employer is picking up at least half of the premium. Otherwise, you'll save more money going out of pocket and/or using your medical savings (aka Flex spending) accounts. Also, beware of psuedo-insurance: discount plans masquerading as dental insurance. If you pay less than $150 only once a year to go to a limited list of participating dentists, you are getting a discount plan, not insurance. Many of these plans negotiate dentistry at deep discounts. You pay the company a membership fee, they pay absolutely none of it towards your dental care. Be careful; the economics of these plans gives doctors every temptation to bait and switch you into higher priced elective procedures.
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