Looking for individual dental insurance?

I'm trying to find an affordable good dental insurance company. I've looked online quite a bit and can only find insurance with a 6 mos waiting period or a "dental plan" that you pay like $100 a year for a discount which seem useles. I'm 30 and live in Ohio if that makes any difference. Any help would be greatly appreciated!

Looking for individual dental insurance?
You will not find an individual dental plan without a waiting period. The 6 month wait is for minor procedures, most also have an 18 month wait for major procedures such as a root canal.





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. 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:In my experience, there is no such thing as affordable dental insurance. If you do not have a plan that you get through your employer, don't bother to look. If you find something, it is quite expensive, and the insurance company has a big deductible (which you have to pay before ins. kicks in) and/or do not pay well on procedures. You would be better off socking money away into an account that collects interest and do not touch it unless you need dental work. There are discount plans, but you usually cannot find dentist close by you. And if do find one close by, just remember, you get what you pay for and in my honest opinion; I have a high regard for my teeth. I'm in Texas, and there just are not many independent dental policies around that the premiums are worth paying.
Reply:There is a dental program that has no waiting period and gives great savings.





If you cannot get dental insurance at your work, this is the best alternative. It is very affordable too.





Get the details on this web site.





http://mybenefitsplus.com/wpaul





If you need more help, you may contact me.

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