My job doesn't provide Dental Insurance but I need it, help please.?

I need to go to the dentist but am probably going to have to pay out of my own pocket. Is there a way I can pay for my own insuance and not have to empty my bank account. Can I sign up with Delta Dental or something like that and pay monthly??

My job doesn't provide Dental Insurance but I need it, help please.?
There are individual plans available, however you are better off saving your money and paying as you go. Generally these health plans have waiting periods (12 months) for certain procedures.





When you add up the monthly cost and compare your annual premium versus what it costs for a couple of cleanings and x-rays it generally costs you more with insurance. Keep in mind the insurance is designed to make them money, and the premium includes sales commission for the broker, administrative costs, and general overhead for the insurance company.





If you have a plan that is partially or fully funded by an employer than it's a great deal. It generally doesn't make sense to pay for it yourself. Contact a dentist and discuss what they charge and compare it with other dentists to make sure you get the best value for your money.
Reply:I have a plan like that. I pay once annually, about $104 and get large discounts from participating dentists without filing any claims or seeking reimbursements. The more expensive plans are more complicated and would have cost me more in 2007. I use American Dental Care, but you can use Delta Dental, Unicare, or whoever works best for you, with conveniently located dentists and affordable price plans.
Reply:check out care credit, i have one myself and used it to pay for my dental work. interest free for 18 mos, no fees.
Reply:I have a great discount dental plan called Ameriplan. The website is http://www.MyBestDentalBenefits.com where you can go to enroll and look up providers in your area by zip code, etc. The cost is $19.95/m for your whole household and the savings are awesome!

slippers