Cheapest dental plan for individuals?

Is there such a thing?

Cheapest dental plan for individuals?
it is a very tough question - - i am a union bartender - but if i don't work a certain # of hours a month - i lose my benefits.





this is not an ad - my sister is in the business that provides "benefits" - not insurance, mind you, but i have invested in it - and it has been beneficial to me.


basically - it just tells you what you will pay for a service.





if you are interested - you can call 1.800.471.8245 - her name is denyse ellington.





i promise this is no sales pitch - i honestly believe this has helped me when i needed it - and i find it very affordable.
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. There is one plan that is often mentioned here that shows NO participating general dentists in my town of 50,000 people. If you took this plan, you'd have to drive about 15 miles to the closest participating dentist.





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.
Reply:Thailand is one of the popular places for dental work. There has many dentists that graduated and well trained from USA and European Countries. The price is cheap for example, crown and bridge is approx. USD 260-460, ceramic filling USD 15-39, Implants USD 2,050-2,564 and etc. The airfare such as Houston-Bangkok-Houston is approx THB 1,050. Hotel rate is from USD 20 up to 5 stars price.
Reply:Try this website to compare dental plans http://www.compare-dental-plans.net/ , they list all the cheap dental plans. Hope this helps.

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