Wednesday, January 5, 2011

dental insurance?

does anyone know what insurance I can purchase for individual that will cover at least half or more of my dental work?
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Dental insurance for individuals is not very good. First you have the premium which could be anywhere from $30 to $60 per month, then you have a deductible (usually $50), then you have an annual limit of $750 to $1500. If you need some major work done you may have a waiting period of 6 to 36 months. I have found the dental discount plans to be very good (don't fall for the medical discount plans, though, because most are scams). Plans will start at about $80 per year. They have a set fee schedule so you know what you are paying up front. There is no deductible, no waiting period and no yearly maximums. You can compare over 30 plans here http://www.dpbrokers.com/default.aspx?lo… and can look up your dentist to see if he is in the plan.
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