Is there any dental insurance thats worth having?

I need major work (I had an accident and lost a tooth) and I am being told by my dentist that I have to pay out of pocket 60%. This seems so high to me, expecially when I pay out the butt for dental insurance every month! Is all dental insurance like this? Are discount dental programs better? I can't afford to pay 60% of my dental work. Its going to be over $3000. Does this make sense? Whats the point of getting dental insurance if you still have to pay ridiculous amounts of money anyway?

Is there any dental insurance thats worth having?
Normally, I would say dental insurance is not worth the $ spent monthly. Although it may seem like it when you run into big procedures like the one you have encountered. I'm assuming you are looking at either a bridge or an implant since you lost only one of your teeth- and yes, $3K is reasonable. (I would opt for the implant if I were you- it will last much longer.) Discount plans are a JOKE. It sounds like you may have a plan that increases over the years. The average plan covers 100% of preventative (cleanings, x-rays) 80% of restorative (fillings, sometimes even root canals and periodontal cleanings) and 50% of major (crowns, bridges, dentures). Some plans say 40% for the first year of coverage, then up it to 50%. Either way, I'd keep your insurance until your treatment is complete. Personally, then I'd ditch it and just go in every six months (unless your dentist recommends 3-4 months) and MAINTAIN your dental health!! When you average out the cost of those semi-annual appointments, they will probably cost less than you spend annually on your dental insurance. Good luck!
Reply:Dental insurance is great for covering things like exams and cleanings and xrays two times a year. Usually, if you take advantage of this, you rarely need $3,000 of dental work because they can treat minor problems before they turn into major ones.
Reply:In your situation you need a plan that has no waiting periods


and no annual maximums. Depending on your


location, I recommend the eHealthPlus membership. Be sure


to search for dentists by your full address.