Self employed people...Is buying private dental insurance worth the cost?!

Self employed people...Is buying private dental insurance worth the cost?

The premium plans cost a fortune, the affordable plans only cover cleanings and a small percentage of procedures. Either way, when you add up the total price....cost of plan + out of pocket at time of service, it seems to come out fairly close to what you would pay if you paid cash at the time of service.

Is there a practial reason for a self employed guy to buy dental insurance? If anyone knows of a good dental plan that is actually worth the cost of premiums in West Michigan, please post.

2 weeks ago
I think some of you missed the idea. The average cost of a family dental plan is over 100 a month, that covers basic cleanings and about 1/2 of dental work (cavity filling, root canal, extraction, etc), and no orthodonic work.

for $1200-$1400 a year, I can pay as I go with cash. There would have to be a lot of oral injuries/emergencies to offset the actual cost of insurance.

I don't know, Medical costs can obviously have no end, so medical insurance is a necessity. Dental costs are finite. One or two cleanings a year, possibly a couple cavities to fill for the family. Perhaps cash as you go is the best for dental coverage.

Probably depends on how good of shape your teeth are. If you have had a lot of work done already and foresee more in the future, then they might be a good deal. Personally, I have had like 3 cavities in 32 years, so I don't bother with it. If you get a Health Savings Account plan for your health insurance, you can use that money to pay for your dental checkups and at least get the benefit of using pre-tax money.