Where can I find a good dental plan?

I need an individual insurance plan. All I can seem to find online is discount plans. Can anyone help me?

Where can I find a good dental plan?
I only know of the Dental Discount Plans, You may want to go on googgle and search for Individual Dental Insurance Plans
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.
Reply:I like my dental plan and although it is a discount dental plan, I view it as a good dental plan! No limits on visits or services, no age limit, no waiting period, specialists included! Simple plan, for all dental work you get done you are going to pay a discounted price! Save anywhere from 50% to 80 on most utilized dental procedures such as exams, x-rays, teeth cleanings, fillings, root canal, and even crowns! This is just my opinion! But if you want more info about the plan let me know!
Reply:individual dental insurance is really expensive. The best thing to do is go to an office just for a comprehensive exam. Find out what the treatment plan is. If it isn't much, you actually save by paing out of pocket. For example, lets say you need your 2 cleanings a year and you have 3 cavites. One that is a 1 surface, and 2 that are 2 surface. The cleanings are (just example) $150 each, then the 1 surface filling costs $150 and the 2 surface cost $175 each that is $750. It would cost you like $250 a month for individual insurnce and the deductable which can range from $50 to $100 1X a year for having anyghing beyond a cleaning done, plus paying 20% to 50% of the cost for stufflike fillings and lets say cleanings are either coverd 100% by insurance or 90% but still apply to the yarly maximun (how much insurance will pay in a year) of $750 or more depending on the plan. I'll give you worst case and best case scenario. Base wise yo already spent $2900 in monthly cost. Worst: you would spend a total of $330 for work. Best: you spent a total of $140, but you had monthly payments. However if there is a lot of work that needs to be done then insurance is the way to go. I DO HAVE SOMETHING YOU WILL BE INTERESTED IN. It is a discount plan called Ameriplan and a lot of practices accept it. Do not get Blue Cross Blue Shield individual. Get Cigna discount. You just have to pay them an anual fee which is like $50 and you pay their fee which is really low for dentist who are in network. GOOD LUCK

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