Scan Medical Insurance

What is a good dental insurance company?

My wife needs some dental work and her insurance doesn't cover dental. She has put it off to long and now is going to need a lot of work done. I don't know what kind to get or if I should get a dental plan instead of insurance. Get it with or with out a waiting period, etc. Does anyone have dental insurance they can recommend. Thanks

Public Comments

1. They don't exist, dental insurance does not exist. You prepay the 1st two years, then you get the work done. You are basically self-insuring your dental care. I was offered a dental plan, $72 per month for me & wife, very limited coverage 1st two years (2 cleanings per yr, 1 set of xrays per patient). That's $2592 for all that. Any major procedures after that carried a hefty co-pay. Read the fine print on any dental plan you consider and evaluate the TRUE cost of the plan.
2. There are no individual dental insurance policies that do not have any waiting periods. Most have a wait of 6 months for basic procedures and 12 months for major procedures. After the wait they'll pay 80% for basic and 50% for major procedures. Even those policies that do not have a waiting period will have a graduated benefit period. This means the first 12 months they'll pay 10%, the second 12 months they'll pay 30%, and thereafter they'll pay 50% of the charges for the major procedures. Dental plans, however, do not have a waiting period because they are discount plans (the providers agree to giving you a discount off of their regular price). You may want to check out a dental school, where she can get good service by students who are supervised by a dentist. The cost is usually very reasonable but will vary by school. You can find the nearest schools here: http://yourhealthplanadvisor.com/Dentalschools.html