Which private dental insurance is the best and how much does it cost a month?!


Question: You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.

2. 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.

3. 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.

4. 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 & 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.

5. 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.


Answers: You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. A yearly cleaning and exam and even an occasional filling will cost you less without insurance.

2. 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.

3. 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.

4. 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 & 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.

5. 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.

I have a dental plan for over 3 years now. I signed up online :
www.healthsavings.ourperfectcard.com
They have helped me save thousands of dollars throughout the years. I pay about 20 dollars a month and my benefits were active in 2 hours. My biggest issue at the time was not having to wait for my insurance(Aetna) to kick in, when I needed a root canal done. Which is also a good insurance company. Good Luck and hope this helps.

I am with a company that offers a dental plan that not only gets you discounts on you regular exams and cleanings, but also braces and cosmetic dentistry. Contact me for more info. The plan costs $19.95/month, by the way.

it depends on where you live and the dental practice that you go to or choose. some areas charge different fees as compitition. also, not all dental offices take all insurances. i would call a few of them and ask what dental insurances they take so you can get a good idea on which insurance company to call and get quotes. make sure you ask what their coverage is. some only cover cleanings and not fillings.

AmeriPlan USA is the nations largest provider for dental coverage! They have a dental plan that covers your entire household, all ongoing conditions are accepted, no paperwork to fill out and can be used the same day you sign up. With the dental plan they also include discounts on vision, Prescription drugs and chiropractic for no extra charge! The plan is $19.95 per month.
They have contracts with thousands of dentists nationwide to provide services at great discounts ranging from 30-80% off all health related services.
I also use the dental card myself and saved 60% off a crown I needed to have re-done.. it only costs $500 instead of $1350! If you call, I can even walk you through the website and how to find providers and how to utilize all the benefits of the plan.
Good Luck!

there is a dental plan that covers cosmetics.cleaning and all the procedures that you might need and on top of that they will give you free cellphone with 250 free min each month.its less that 7$ per week.the dentists are members of american dental association.
if interested email me.
fastreplys@yahoo.com subject dental plan





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