What is a good dental insurance

what is a good dental insurance


Best Answer: Everybody sing along now:

As a dentist, I know that this question is impossible to answer. Delta is wonderful to work with as a company, but they must sell at least a hundred different plans. There are many other companies that sell dental insurance such as Aetna, MetLife, and several others, but they all sell many different products. How happy YOU are depends on which plan you buy.

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 fro $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.

Source: answers.yahoo.com

Category: Insurance

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