I bought dental insurance about three months ago and feel it is very costly. At the time I felt rushed into buying something because I wanted to see the dentist for a check up, X-rays and cleaning but did not want to pay $200.00. I did use the plan for those services and saved a little over half the cost it would have been but was also told I needed filling and a crown. Which I finding out now from the dental office, that I may not have coverage’s for those types of services for at least a year.

I did not want to have to keep paying into the cost of insurance for that long and thought I could just get my teeth cleaned and maybe have a filling if needed then cancel out my plan. Not sure what to do now since paying the cost of the insurance and not getting what I need done dose not make sense to me.  Should I just cancel out the plan ?

Reply: First I would advise that you read the terms and conditions of the plan you currently have. Some Insurance plans such as PPO’s do have long term waiting periods that may effect you.

You may buy a dental discount plan in the mean time. I would advise on getting or looking for a discount plan that is monthly or one that you can cancel with a 30 day notice. Our website DentalInsurancePlus.com provides dental insurance as well as dental discount plans you may wish to review.  However I would never advise cancelling out your current dental insurance until you have a replacement plan in force.