Has anyone ever tried this dental insurance: united dental, or know anything about them?

Here is a link: www.uniteddentalonline.com , I'm looking for good, cheap dental insurance, but I don't want a rippoff. Any feedback is appreciated, thanks

Has anyone ever tried this dental insurance: united dental, or know anything about them?
They are a dental discount card, not insurance, and although I don't know this one in particular and they might be OK many are scams and the companies start up, get your money and go out of business regularly.





You have four options with dental.





1. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you.





2. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.





3. Discount plans - Cost - $5-$12 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health %26amp; dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.





4. Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.





I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered.
Reply:please try this


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Reply:I use the company below. They cost $11.95 per month and they really have saved me money. There not insurance so your not restricted and they even allow cosmetic work done.





You save up to 80% on your dental work along with that our family uses the Free prescription card, Free Vision and Chiropractic card they offer free on top of the dental benefits.





I would check them out. Our friend use them and they are really pleased.





Good luck to you.
Reply:This is what we use.


http://www.mybenefitsplus.com/JBurke


It’s a discount card, saving you up to 80% off service for medical, Dental, Vision, and Prescriptions. Just an example, my husband was looking into eye surgery, and his doctor was charging $5,000, we showed him our card and the price when down to $2,700. It’s great for those, like us, who can’t afford traditional insurance.