Which is the best plan, or insurance to get for dental procedures?

I am looking to get my wisdom teeth pulled, and my brother needs cavaties removed and my sister needs braces, now which dental plan or insurance should we get? that covers all the above and is good and reliable with payments?


thanks

Which is the best plan, or insurance to get for dental procedures?
My family uses a discount plan that give you up to 80% off anything to do with your teeth. Braces I know are 56% off, which is about $2,500. This web site I beleive will give you all the details. http://www.usabenefits.org


Hope you find what your looking for.





Good Luck!
Reply:Got the perfect thing for ya. There is a very in-expensive but high-quality dental plan that can help you with that. It doesnt pay 100%, but can save you signifcant money, and most dentists are good about taking payments if you at least have a plan of some sort. Another good thing is, unlike tradional insurance, everyone in the US qualifies for it (except alaska and montana) Read on:





~Dental, Vision, Rx, and Chiropractic plan


~$11.95/month individual or $19.95/month entire household


~All specialists included, even cosmetic dentistry, oral surgery, orthodontics, dentures, etc.


~No waiting periods! You can go to the dentist the same day!


~No claim forms or deductibles


~No age limits


~All on-going conditions accepted


~The largest and highest quality network of providers, which means only the best dentists for you!


~No limits on visits or services. Use your plan whenever you want/need.


~100% satisfaction guaranteed


~Rates guaranteed for 2 years


~Health/Medical plan available also!





For more information:


visit: www.theaplan.biz/rachele


call: 541-258-7148


email or IM: starsalso@yahoo.com
Reply: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.

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