Questions About Buying Dental Insurance (teeth, dentist, cost, problems)

[BP72]

Does anyone here pay for their own Dental Ins.?

I am looking at doing that to cover my Wife and myself. I just don't know where to look or even which ones to trust.

Not going to b.s. on this and I know we should have seen the Dentist more regularly. Money toward medical and other life situations just had to come first. We are going to try to fix stuff and keep up with it now that we have our Medical problems pretty well fixed for now.

She need some major work. Her parents should have done it when she was a child but did not. So I want her to be taken care of.

I will probably have the Dentist filling out overtime cards too.

So We are talking probably extractions, crowns or whatever they need to do. She will need something to replace certain teeth from the childhood problem. I know it will not just be a simple cleaning for us.

With all this in mind, about how much a month are we talking for the insurance and if you can throw me some company names that you think are good insurance companies that would cover this stuff without too big of a hassle. I want to check them out. If they have how much co-pays are on their websites.. that would be great too.

Thanks in advance for any help.

[Ceece]

Dentalinsurance.com is the place to go. Sounds like you probably need to get one of the HMO plans that limit you to certain dentists since plans like Delta Dental limit you to $1000-$1500 per year and cost about half that in annual premium. The key is finding a good dentist within the HMO network of whatever insurance plan you choose. Unfortunately it's usually the same dentists in all those kinds plans regardless of the insurance company, and if there are not good ones on the list your are SOL.

[BP72]

Thanks Ceece. Looks like some of those are even limited by available Dentist in my zip code. As in Humana One Prepaid Dental would work great for us... no dentist in the network within 25 miles though. One company looks promising but I need to decipher the difference between their 3 plans. Careington Care Discount Card plan 501, 501 Multi Care and 501 Total Care.

The Limits and waits I don't think would be right for us at this juncture.... but after we get rolling and some problems fixed as we can afford, then they might become more useful.

To anyone: Still researching so please add more info if you can.