Good dental insurance is really hard to come by these days.?

Can someone suggest a really good dental insurance company that i dont have to have large copays or just a really good company in the state of florida.

Good dental insurance is really hard to come by these days.?
look i work in a dental feild, its so expensive to have dental insurance that we don't even get it for working there. your better off working with a dentist who will set up a payment plan.
Reply: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 for $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.
Reply:Try dentalplans.com
Reply:I found a good dental discount program that saved me a lot of money. I'm in the Orlando area. I'm not sure where in Florida you are but there are plans that pay 50% to 75% of the bills for dentists all over Florida. There is a website: http://dental-ppo.com that allows you to search for plans and dentists by zip code. That's where I found my plan. You might want to check it out.
Reply:It has been a while, but I found insurance here in Wichita KS on the Internet several years ago, but I do not remember the address. It was well worth the money. I had several tell me that they only sold to businesses, but finally was able to find one. Keep looking you will find something. Good luck
Reply:you can probably find a dentistry university where they are students going through college, you would be surprised at the work they do. they usually charge very little or nothing.
Reply:Doesn't your employer carry medical and dental insurance? If not, you need to check with various insurance agents to see if they carry group dental policies. I know of only one dental insurance company and that is Delta Dental Insurance. Unfortunately, I do not remember where they were located (http://www.deltadentalins.com). You might contact, I think it is called, Florida Insurance Commissioner's office as they may have some information. Hope this has given you some help.