Ok so i recently found out my policy was cancelled and i can't reinstate it at all. I do not want a dental discount plan per the fact it seems like a scam, ive read the things about going to dental schools, paying the doc on a payment plan, but aren't there any legitmate insurances for dental insurance in ny? Im willing to pay the premium or whatever so why is it so hard to find anything
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Delta IS a good plan, but not available for individuals. Think of it from the insurance company point of view: if they cover a large group, chances are only a limited number of people will use the plan and they will take in more money than they will pay out. If an individual wants dental insurance, it's because they already KNOW they are going to use it. Thus, they can't possibly charge more in premiums than they pay out to a dental office. There's no way to make money on individual dental insurance. You could not, for example, go to a car insurance company and say, "I need auto insurance because I plan to total my car this year." You are right to stay away from "discount dental plans." They are unregulated internet/home based businesses and if something goes wrong, you will be out of luck.
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