Why is good dental insurance so hard to find?

Dental care is SO expensive, the insurance is terrible, does not cover anything. Why is this? Why cant it be included in health insurance?

Why is good dental insurance so hard to find?
You have three options with dental.





Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, 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.





Discount plans - Cost - $5-$10 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.





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.
Reply:Good question and one that is asked everyday by millions of people. Dentistry is something that everyone needs. The insurance companies don't want to have to pay out any money for any claims. If you go to the dentist, have a cleaning, xrays, exam......a claim is produced.....cha ching...$$$ Money has to be paid out. Some people never have health problems, or very few....not many claims issued. Get what I'm saying. They will always have to pay money for dentistry because it is used more often than medical health plans are. Its all about them keeping the money and you paying them for the privilege of having security.
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