I live in Ohio, so obviously it needs to cover us here, I've searched google and there are so many and most are regular health, we have that, we need really good dental with low copays. Primarily one that has pediatric dentists. Thanks for the help!
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Think about this. Dental insurance really is not "insurance" in the same way that life insurance or even other kinds of health insurance is an " insurance". 1. Insurance companies are smart. 2. They will not lose money on you. Dental "insurance" is prepaid dental ( managed) care. The company has to take your money, pay themselves a salary, pay a profit to their investors and then with what is left, they will help you pay for some of your dental care. If you have a large group of individuals such as a large company, the insurance company can give you more benefits because their costs are spread over more clients and some of the clients will not need as much care as some of the others and then the ones that have a higher need can get more benefits than they have individually paid in. That is because of the group. The group will still pay in more than they get as a benefit but an individual can get more if he needs it. If you go out on your own, you will have a very, very tough time getting a "good deal" for you because insurance companies know that an individual can time his dental care for some of the more expensive procedures. They know and anticipate that a lone person will sign up for insurance, get a lot of crowns bridges, dentures etc done then drop the insurance so that they do not have to pay premiums after they are brought up to health. So the best answer is to get a job that has good benefits in health care as part of a system. State jobs are normally excellent for dental care. The feds are good for general health care but their dental is thought to be less than ideal by many people. Look it up and decide for yourself.
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