Dental insurance isn't provided through our jobs, so we are looking for some coverage on our own. Does anyone have personal dental insurance? If so, which companies do you suggest?
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Dental coverage purchased as an individual almost never makes sense. Insurance companies could not stay in business if they paid out more in benefits than they take in in premiums. Most dental plans out there are not insurance at all but "discount plans" with unsustainably low fees which dentists often accept to get you in the door. There is then a strong incentive to steer patients to services with uncontrolled fees. Your best bet if you can't get your employers to set up a group is to try to see if medical savings accounts are available. Failing that, if you expect high dental bills see if you can find a dentist who offers financing. Most dentists should be able to prioritize treatment and perform it in stages to make the financial pain more manageable. Good luck, Steve Bornfeld, DDS
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