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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Why isn't dental insurance normally covered by all health insurances?

Just curious why it isn't usually considered an important health concern, even though when I have a tooth ache it feels like the end of the world. And I wasn't sure what category to put this in as it is also somewhat political.
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because dental work is extremely expensive and if you do get dental insurance it still is allot of money so its better to pay for dental work out of pocket. so basically insurance companies will actually have to do their job and provide health care and if they did that for dental care god forbid they would loose a profit from the bloated profits they already make.
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Are dental discount (not quite the same as dental insurance) plans tax deductible as medical expenses?

. . . subject to the 7.5% of adjusted-gross-income gap, of course. In other words, if you don't spend more than 7.5% of your income on medical and dental expenses, then it's not judged to be an undue burden.
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Dear Casey: (Yes) You are correct, however remember the 7.5% limitation is Federal and some states allow 100% of medical so check your state regs. This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided. Click on my profile to read more. Errol Quinn Enrolled Agent Master Tax Advisor
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Can anybody recommend a good dental insurance provider?

I'm a single male living in Illinois & I'm 26 years of age. Can anybody name a provider that wont kill my wallet & offers extensive coverage for a variety of procedures?
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health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.
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When do I put my 23-month old on my dental and vision insurance coverage?

She turns two in December 2008. Should I put her on my dental and/or vision insurance for 2009? Or is it STILL too early?
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I just asked my dental hygenist this question and she said babies should have their first visit around 2 or 3 so that is when I would add her on to your insurance.I would hold off on the vision a bit longer unless you think there is an issue.
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Will dental insurance cover my composite resin bonding or crown?

My husband is going to get dental insurance really soon. When I was 16 I had my two front teeth knocked out. Pretty close to the nerve, but I didn't have to have them pulled. Instead they did the resin bonding. I was told that I would need a crown when I got older. Now I'm 24 and I've never had them replaced. Will dental insurance cover them? They are sore sometimes... especially my left one. Thanks everyone. :)
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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I live in South Carolina and i need dental insurance desperatly! Can any one help me!?!?

I live in south Carolina nd i need dental insurance prety badly. I need a lot of dental work done and i cant afford to pay for it all. I honeslty am at my wits end! I know that bad teeth lead to so many more health problems and i am getting worried! Help me please!
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Have you ever looked into a discount dental plan? Come check out my site, sign up today and go to the dentist tomorrow $19.95 a month for the whole household! www.mybenefitsplus.com/coberry I'm sorry about the pain you have, lets get it taken care of~ Chrystal O'Berry Program Specialist, AmeriPlan USA 240-418-3117 www.mybenefitsplus.com/coberry
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