I need to get dental insurance asap. I was supposed to be able to get on my mom's but that didn't work out so now I'm looking for something else. I thought maybe someone here could point me to some of the better plans?
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Dental Insurance?
Started by HurricaneKatt
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You mean you are looking for a dental plan that will cover all of your expenses and you can drop after the procedures have been completed. Right?
Since no one else is answering, I guess I will.
First, there is no such thing as good or better dental insurance. All insurance for dentistry sucks monkey balls. It's essentially a joke. If you have no problems and just need exams and cleanings, you will pay less out of pocket than paying for insurance, especially cause a lot of dentists will give you a cash payment discount. If on the other hand you think you'll need a lot of work, well, it still sucks.Almost all plans have an annual max of $1000 to $2000. At private practice prices, that's about 1-2 crowns or a crown and a few fillings and you'd still have to pay you copay, which is usually have 20-50% of the cost of treatment.
In other words, damned if you do and damned if you don't.
Delta is a decent insurance company, lots of dentist take it's PPO plans. Cigna also has a lot of providers. Check out their plans, they have a lot of options, but obviously the better thae plan, the more you pay up front.
First, there is no such thing as good or better dental insurance. All insurance for dentistry sucks monkey balls. It's essentially a joke. If you have no problems and just need exams and cleanings, you will pay less out of pocket than paying for insurance, especially cause a lot of dentists will give you a cash payment discount. If on the other hand you think you'll need a lot of work, well, it still sucks.Almost all plans have an annual max of $1000 to $2000. At private practice prices, that's about 1-2 crowns or a crown and a few fillings and you'd still have to pay you copay, which is usually have 20-50% of the cost of treatment.
In other words, damned if you do and damned if you don't.
Delta is a decent insurance company, lots of dentist take it's PPO plans. Cigna also has a lot of providers. Check out their plans, they have a lot of options, but obviously the better thae plan, the more you pay up front.
