How to find a good dental plan?

I'm in Arizona and I don't have health insurance including dental. I work part-time so I can't get any benefits from my job. To be honest, I'm so confused by it all. How does someone get dental insurance for themselves? Are there any important things I should be looking out for? Any websites with thorough information. If I need braces, am i looking at a more expensive dental plan?

How to find a good dental plan?
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.





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 $829. With insurance you pay $414 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 $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; 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. One state because they couldn't find any doctors and only one dentist (who was on probation for unlawful activities). 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 $829. 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.
Reply:Im in AZ too and this is the one me and my fiance are on. GE wellness plan dentalplans.com





good luck
Reply:Ameriplan Has A Great Dental Discount Along With Vision,Prescription and Chiropractic..For Only 11.95 a month...it has 80% savings on all dental and other benefits..





very good discount plan...check it out...


http://www.mybenefitsplus.com/wsoares
Reply:I currently use an affordable dental plan, it cost only $11.95 a month. It's a Provider Access Organization that has been around for 15 years. Here are some details of the dental benefits offered and save up to 80% on procedures


All ongoing problems are accepted


No Limit on services.


No deductible.


No age limit.


Big savings on Braces, Whitening, Crowns, Dentures...


Every Procedure Included -


Orthodontic and braces included for children and adults.


Cosmetic dentistry included: bleaching, aesthetic bonded finishes in selected markets.


All specialists included.


30-Day, 100% Satisfaction Guarantee.


If you want to research their site and see if this will be a good plan for you, go to http://Stacie.OneSimpleCard.com and http://www.MyBenefitsPlus.com/40496082 . I hope this will help you.