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I am looking to purchase individual dental insurance with a $2500 max and no waiting period. Please help.?

The dental insurance is the most important right now, but I am also in the market for health and vision as well. If there is a way that I can get all 3 for $150 or less a month, that would be great! As far as the health insurance, a $2500 or less deductible, $30 or less co-pay, must include prescription drug benefit $100 deductible, and yearly female exam. Thank you for any assistance you can provide.

Public Comments

1. No such horse. I haven't seen an individual dental insurance policy with no waiting period. Except for that cleaning and exam, which likely STILL has a three month waiting period. And probably a cap at LESS than $2500 per year. Health insurance, if you are taking drugs now, for whatever the condition is, you won't find a private policy willing to cover that condition, and those medications, for less than they cost each month. Think about it. They'd go out of business, with a KNOWN intake less than output. You're asking for a brand, new $25 cadillac. If anyone offers it to you, they're scamming you.
2. Based on your question I would suggest that you need a trusted adviser to help you through the process of purchasing health and dental insurance so that you understand what you are purchasing. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price. Some might even suggest a discount plan which is not insurance at all. It seems that you want a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, perhaps maternity coverage as well as low deductibles, low co-pays and optional vision and dental benefits. I can assure you that your monthly premiums will be significant. Ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company. Check with the agent that writes your home or auto insurance he/she can provide you a health insurance proposal that takes into account your budget and health status. They can explain the issues you likely will face regarding preexisting conditions. They can answer questions as to what is and is not covered by the policy, explain deductibles and co-pays and show you the hospitals and doctors that participate in the network.
3. health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.