Any good dental insurance plan?
Any good dental insurance plan?
Hi there,
I need to buy a dental insurance, cause my school doesn't provide one and I have a bad tooth I need to get fixed.
Does anyone know about a good dental insurance plan for students or simply individuals?
Any advice is appreciated. tks
Answers:
island3girl: Delta
2006-09-18 10:55:08
2006-09-18 10:55:08
Michael G: SafeGuard is the number one dental plan in America.
2006-09-18 14:36:59
2006-09-18 14:36:59
preciousp: I have a great dental plan! It is not Insurance but a great discount plan! Save anywhere from 50% to 80% on most services and even 25% when you have to go to a specialist. Just to give you an example of the savings I went to the dentist and had an exam, x-rays, teeth cleaning and some polishing, my total bill came out to $197 but I only paid $59, so I save $138 bucks on that one visit! The plan is only $11.95 a month for an individual or $19.95 a month for household. You also get 3 additional benefits free with the plan vision, RX, & chiropractic! I don't know if this is what you are looking for but at least you will be able to save money on whatever dental services you need.
The following website will provide information for you!
http://www.wehavebenefits.com
2006-09-18 14:54:02
The following website will provide information for you!
http://www.wehavebenefits.com
2006-09-18 14:54:02
Dr. Sam: Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.
Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.
Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.
Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.
For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.
For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.
2006-09-18 18:55:46
Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.
Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.
Be cautious about buying a so-called "dental discount plan," often mentioned on Yahoo!, since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.
For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.
For major treatment, dental insurance is no great deal anyhow. They limit you to $1,000-1,500 per year, subject you to deductibles, co-pays, etc. Imagine if you were in a car accident and your carrier said, "Yep, it's a total loss. Here's a check for $1,500. Good luck coming up with enough money to buy a new car." Dental "insurance" should usually be considered a payment arrangement where you give your dollars to a large company who holds onto them until you say the secret word and manage to get a few of them back.
2006-09-18 18:55:46
Paul: The problem with dental insurance is that most all of the companies have a waiting period...usually 6 months...and require pretty high copays. Some only cover basic things and don't cover things like crowns and orthodontics.
You might want to try a discount dental plan. They are cheap...usually less than $100 per year and they give you a big discount off of what the dentist charges, and there is no waiting peroid. I found a plan at http://dental-ppo.com that worked well for me. You can search by zip code to see what plans are available in your area.
2006-09-19 13:46:43
You might want to try a discount dental plan. They are cheap...usually less than $100 per year and they give you a big discount off of what the dentist charges, and there is no waiting peroid. I found a plan at http://dental-ppo.com that worked well for me. You can search by zip code to see what plans are available in your area.
2006-09-19 13:46:43