Dental Coverage, Why are there no good dental insurance plans.
This problem as been a constant source of frustration for me. I get good Medical coverages though my work but the dental they offer is not even worth the premium you have to pay for it. My cost for dental though work it still $45.00 for my family but the coverages are so bad.
I could get a dental discount plan they are cheap but the discount saving are only adequate and I do not feel they are worth it. Why are there not any affordable dental insurance plans that offer you good coverages that make it worth buying the plan?
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Thursday, Jul. 8th 2010 12:41 PM at 12:41 pm
Seems to me that you are just not looking at the right type of dental insurance plan for and your family. Hard to say what is available without knowing what state you live in.
That said I suggest you see about looking into dental HMO insurance plans. They are kinda in the middle. Since PPO are more expensive and normally have the waiting periods. HMO are much cheaper and normally do not have waiting periods.
HMO dental insurance plan are like discount plans in the fact that you do need to choose a dentist that in the plan network of providers.
Their dental services and normally scheduled out so that you know your cost for the dental services you are looking for.
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Thursday, Jul. 8th 2010 12:44 PM at 12:44 pm
Yes I agree that the dental HMO plan is a nice middle between getting and dental PPO plan or a dental discount plan.
I have a dental HMO family plan an it only cost $31.19 a month. We get the free cleaning, office visits and X-rays. Believe me that alone makes the plan worth buying when you have a wife, three kids and yourself, all going to the dentist twice a year.
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