What's the best dental insurance?

I just moved to america and historically had terrible dental health care (I have not seen a dentist in 6 years). I work, but have no benefits and make little money and go to college part time. Two wisdom teeth have broken through (they're not giving me trouble) but I have other teeth that I know will be problems. What the best dental insurance plan out there where I pay the least amount of money for the procedures since I don't have money to spare, but I can afford a dental plan with monthly bill. I live in Tampa Florida.. and I don't really understand the system here. Thank you for any help.
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As opposed to the above answer there are individual plans available. You have four options with dental. 1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Den… 2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $919. With insurance you pay $460 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans. 3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $919. With discount plans you pay around $827. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes… concerning these plans. 4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $919. With fee for service plans you pay as little as $404. I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo… specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
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How would I be able to get dental insurance?

I'm 16 almost 17 and in need of dental care. I need a root canal in my two front teeth, they aren't bad, but when I was about 11 I knocked them almost completely out. But anyways, My dad doesn't have dental insurance, nor do we have health insurance. The estimated cost for my two teeth are well over 2,000. And when I turn 18 I will be getting an implant. But so my question is, would I be able to get dental insurance. I can pay for it no problem, it wouldn't be my father paying for it. It would be me. I am currently pregnant, as we speak. I'm almost 6 months. If that has anything to help with. And my mother passed away last year. Do I have to wait until I turn 18? What can I do? Thanks.
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The answer could vary by person.It is alway a good idea to hear the suggestion from different sides and try to choose the best one.Here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a good one i recommend.
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I need help getting good and affordable health, life and dental insurance for me and my family-please help?

All I have is Medicaid, I want better dental and health insurance, and my family and I don't have life insurance. When my dad died he didn't have life insurance. I'm a bit concerned because I'm in my 30s and my mom's getting old, and I'm concerned about my little brother. My mother doesn't have dental insurance. I want my brother to have better dental insurance too. I need dental implants. Please help me out.
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Try this site http://ginsurance.notlong.com here you can get quotes from different companies for health and life insurance, I hope it helps you.
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How would I be able to get dental insurance?

I'm 16 almost 17 and in need of dental care. I need a root canal in my two front teeth, they aren't bad, but when I was about 11 I knocked them almost completely out. But anyways, My dad doesn't have dental insurance, nor do we have health insurance. The estimated cost for my two teeth are well over 2,000. And when I turn 18 I will be getting an implant. But so my question is, would I be able to get dental insurance. I can pay for it no problem, it wouldn't be my father paying for it. It would be me. I am currently pregnant, as we speak. I'm almost 6 months. If that has anything to help with. And my mother passed away last year. Do I have to wait until I turn 18? What can I do? Thanks.
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Yes, you have to be 18. But don't feel bad, I haven't seen ANY private plans that pay out more than they cost.
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Is there a reason dental insurance wouldn't pay for this?

My stepdaughter has dental insurance through her mother at the moment. Her mom is in the air force (I don't know if that makes a difference). She was playing on the playground with her friends and fell and broke her front tooth in half. She went to the dentist today to have it repaired. I talked to her later this morning and she said she didn't get it fixed because the insurance wouldn't pay. Now she is going to have to wait until January to get her tooth fixed. This is unacceptable to me. Why should a ten year old have to be embarrassed and walk around with a broken tooth!? I am sure it is also uncomfortable and painful when she eats. Does anyone know why the insurance would deny this?
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There are several possible reasons, and it's difficult to narrow down without more information. 1) You mention waiting until January to fix it, so there might be a calendar year maximum on the policy. If it's a household policy and someone else had any reconstructive work done, it would likely cap out the policy for the year. They're usually low enough that a single root canal from a endodontist will cap the policy. 2) What level of "fix" was it? Extraction and replacement? Crown? A simple cosmetic temporary filling? I've had significant reconstructive work done on front teeth, and a cosmetic temp only runs about $100. It's not a permanent fix (I've had one hold for 6 years, another for 6 months), but it should hold until January if she's careful with it. This likely wouldn't be covered by insurance since it's a temporary fix, at best. 3) The fact that it's through the Air Force may have something to do with it. While I'd sincerely hope that military families get better coverage than civilian employees, I know the dental benefits I got when I worked for the IRS were pretty bad.
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Individual Dental Insurance?

I am a college student and I need to have a lot of work done on my tooth, My teeth are in atrocious condition and lately I have not been able to get through a meal without extreme pain, I have already had two root canals done which I paid for out of pocket, ($500 each) that did not include caps so those teeth are still uncapped. I still need to have about 3 root canals done which will also need to be capped and my wisdom teeth remove. What should I do? Is there individual dental insurance, I have no dental school near me. I have tried to figure out any way I would be able to pay for it and it just doesn't seem possible. Does anyone have an ideas? I am in serious pain
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health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues.
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I have some dental insurance plan questions (DMO VS PPO)?

I'm thinking about switching over to a more expensive dental plan in Aetna which gives me the benefit maximum of 1000 dollars per year. First, I want to give you some of the coverages Aetna gives me in the more expensive plan: Annual deductible for family: $300 preventive services: 100% basic services: 80% major services: 50% annual benefit maximum: $1000 orthodontic services: 50% orthodontic lifetime maximum: $1000 My current plan is mostly a patient co-pay plan. They cover everything in diagnostic procedures and preventive procedures (except space maintainers), but everything else I pay from about 15 dollars up to 280 dollars. so here I go with my questions: 1. the annual benefit maximum of 1000 dollars means 1000 dollars for each member in the plan, right? 2. what does the annual deductible exactly mean? 3. three of my sibling need braces. so does that mean each of them get 1000 dollars off the braces cost? And because its a LIFETIME maximum, it means that you can't get another 1000 dollars off the following year, right? So if this is true, after each of my siblings use up the 1000 dollars, the insurance will cover for half of the braces cost? 4. since orthodontic maximum and annual benefit maximum are two different things, if you were to get braces and get some restorative procedures done, you'd have 2000 dollars to spend total for that year? (for two of my siblings, after their teeth straightens, the dentist needs to do other things to some of their teeth to completely get rid of the decay) (I just need advice on the following questions) 1. the current insurance plan (DMO) is $16, and the more expensive plan (PPO) is $56...which is cheaper for my family?---is the ppo plan worth it? 2. how expensive are braces in New Jersey or nyc metropolitan area?---would it be cheaper to just keep the current dental plan and go to a dental school for the braces? I know these are a lot of questions...but I really need help to make the right choice here...my parents aren't good at english, so they're relying on me to help them make the right choice. And my family is in a lot of financial strain, but we need to get my siblings' teeth treated as soon as possible or we might have to extract them and give them bridges. it wasn't really their fault that their teeth are decaying...its just that their teeth are so unaligned that there are some surfaces they can't reach with the tooth brush... Please! I'm desperate for help!
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health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.
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