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From experience, can anybody tell me if it's better to have actual dental insurance or a low cost health plan?

I am so lost when it comes to insurance matters. Hopefully, someone can shed some light. Thanks:)

Public Comments

1. It depends on how much your dental plan costs vs how much they will pay out in benefits. My plan only costs $12 a month and has a cap of $1000 in benefits. So, yes it is worth it. Very few health care plans will pay for any dental work at all. They only pay if the dental work is the result of an injury or if it is health related - like impacted molars or a mouth problem such as a cyst.
2. They're two different things. Dental insurance covers things a dentist would do. Your plan may have a deductible (mine is $50 per person with a family max -- but there's no one else covered so I don't know what it is...usually though it's two times the individual deductible), then you pay a reduced price if you use a participating dentist. I had a root canal on Monday and I paid $92 for it instead of about $250. Preventative things are usually covered right away, like exrays and cleaning. Restorative things have the deductible and then you pay a percentage. If you use a participating dentist, you'll save a lot of money. Other plans may be DMOs, dental maintenance organizations. Fewer options of dentists, less control for you, but you usually pay less for treatments and there is seldom a deductible. Low cost health plans usually cover only big ticket stuff, and you pay the rest. If you have the option of HMO and DMO, I would certainly consider those if cost is a factor for you. If you have kids or a chronic condition and go to the doctor a lot, this could be the most cost effective approach. However, make sure your doctor participates because going out of network will cost a lot more. If you never go to the doctor, never get sick, no chronic conditions (think diabetes, for instance) then the low cost option would be good for you. I mean if the only time you need a doctor is when you break your leg, go low cost. But to answer your question, except for dental implants, medical coverage will not cover dental work, and dental coverage never covers medical care. Dental implants are frequently not covered at all because they are very expensive and usually something cheaper will work. I would suggest talking to someone at work who has been there a while and who seems to know what they're doing. Your supervisor may be a good choice, or an older woman who appears to have it all together.
3. Insurance can be very expensive and they often don't cover your procedures. In addition they usually only cover cleanings twice per year. Dental plans such as the ones in the link below have low cost and they can save you up to 80% off of all dental procedures. These include cosmetic as well as routine procedures. The cost starts at 14.95 per month for an individual and there aren't deductibles and there are no limits on the amount of visits. www.EveryoneBenefits.com/Spoage
4. It will depend on your budget. I would encourage you to visit this site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now and they have saved me thousands on all services. From exams, xrays, fillings, cleanings...etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day. hope this helps.
5. Dental insurance and health insurance are 2 completely different types of insurance (although you can certainly find insurance companies that will combine both types of insurance into one policy for you). If you had to choose between one or the other then you will definitely want to choose a health insurance plan with comprehensive major medical health insurance coverage. Unpaid medical bills is the #1 cause of personal bankruptcy and the largest medical bills are much much larger then any dental bill you could possibly get. Here is some more information on finding low cost health insurance and also some information on dental health insurance: