Individual Dental Insurance?

I'm looking for individual dental insurance. Does anyone have any recomendations...

Individual Dental Insurance?
There are basically two kinds of individual plans that are fairly affordable. Dental discount plans (like Ameriplan or Assurant) but they're discounted plans. Usually free cleanings and diagnostics, but you'll be out of pocket about 70% for expensive procedures, because they have limited annual caps on total payouts. Most other plans are cost sharing plans (like Delta, Guardian, and Aflac). They pay some, you pay some. Some have deductibles, some have elimination periods. Do you need a procedure RIGHT NOW, like a root canal? NOTHING out there, no carrier will insure someone who needs it right now (so don't believe it!). Just like trying to buy car insurance after a wreck, or life insurance after a terminal diagnosis. I haven't met a decent dentist yet that wouldn't work out a payment plan when you are forced to "self pay" or "cash pay". Also some credit card companies like CAPITAL ONE actually finance costly dental procedures (if you have good credit).
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Reply:Sure, I would recommend world dental. They have a plan that is very simular to employers plans, only there is a small waiting period. Pay's 2 cleanings per year, 80% on filings and 50% on crowns. If you would like me to help you further I would love to.





The insurance lady


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Reply:My recommendation is, don't buy it.





For most of my career, I have NOT had dental coverage through work. And I haven't seen any private plans that pay out more than they take in.





If you're considering a plan, just "run the numbers" with waiting periods, deductibles and copays, vs. the monthly premium, before you buy.