Help with dental insurance?

My wisdom teeth are starting to come through, and i will need them removed. My job does offer dental, but from what I hear it's crap, and aflac is way too expensive. I'm not too great at choosing insurance, I don't know a thing about it; So looking for some help here. What would be my options as far as dental, something not too expensive, but also something that will cover a good portion of any oral exams or operations. I know I have to keep a plan for a while before I can receive benefits towards operations, and that's fine, my teeth aren't going anywhere and growing in painstakingly slow.

Help with dental insurance?
I have a terrific dental plan that I found after months of searching and comparison shopping. Try to avoid dental discount plans or indemnity plans, they cannot guarantee what kind of discount you will get and they are usually a sham. Mine is a comprehensive plan that offers the same coverage for groups as well as individuals. It has no network, so you can see any dentist you want, and it has NO WAITING PERIODS for services, diagnostic, preventative, basic, major, etc. You can get it for under 30 bucks a month, and you can apply online at www.BestForLessDental.com~ another cool thing about the plan is it has a 100$ deductible that you only have to meet once, not every year, and it has an annual benefit of $1,250 bucks. much higher than anything else I found.
Reply:You have a few options. first check your medical insurance to see if they cover it. Some dental insurances default to medical insurance for this type of surgery. Most dental insurances even if it's "crap" will at least cover exams, xrays, and cleanings at least once per year. Another option is to see if there is a dental school anywhere near you. For wisdom teeth extractions, the schools will put you with an Oral surgery student. These students already are a general dentist who is furthering their degree. And they are completely supervised. Another option-- Save up your money. A lot of the time insurance premiums for dental are high- especially if you get it outside of an employer. By the time you pay premiums for 1 year, you could probably pay half of the surgery. If you have a lot of other work to be done like fillings etc., then the premiums may save you money.


The kind of dental insurance you dont want are the ones you can by at department stores or credit card companies.....They usually have limited dentists to choose from and it's is usually the one's who work in the clinics that see tons of people per day.





Good Luck.
Reply:My dental insurance gave me a hard time about it, because mine were below the gum, so they claimed it wasn't dental but medical! My medical insurance calimed it should be dental insurance that pays for it!





The only reason it got resolved easily for me was my dental and medical were from the SAME INSURANCE COMPANY! I also stuck the Human Resources person where I worked to get on their case! Come on! I cannot be the first person to get their wisdom teeth taken out. What a bunch of crooks the insurance companies are! I can't remember who eventually paid for it.





So.... check your coverage if you plan on using your insurance!
Reply:Another alternative to help with dental costs is a discount dental program. We have one through Ameriplan and it's a great savings. The site is http://www.mybestdentalbenefits.com





Hope this helps you
Reply:some good info at


www.imflatbroke.com/dentalinsurance