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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I would like to know if someone can see a dentist for dental services if they do not have any current dental insurance or dental discount plan?  I have a friend that does not have either and is low income.

He has an infection or abscess tooth and he is in a great deal of pain.  Is there and ER for dental services?   At least in the ER you still get treated whether or not you have insurance and then you worry about the bill after the fact.  But it seems with dental you are out of luck.  What can my friend do at this point.

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All right I am not stupid I know that on a dental discount plan you get discounted saving off your dental services.  But want I am wanting to know is would I be lacking in coverages or benefits if I buy a dental discount plan over dental insurance.

I am leaning towards a dental discount plan. However, when I tell my work friends that I may get a discount plan they are all like you should just get dental insurance. They say this but they do not give me any valid reasons why they feel that way.  Oh and if it helps our company is paying half of the cost for whatever plan we get.  We just have to buy it and they will reimburse us half the cost.

Between a dental discount plan and dental insurance which offer you more coverages?   I am looking for a plan that will offer me the most coverages without all the limitations or exclusions.  I do not want to buy dental insurance or a plan and find out they do not cover what the dentist is telling me I need.  So what is the best to get?  Discount dental or Insurance.

What type of  dental insurance offers you full dental coverges?  I am an adult with no kids. I am looking for a dental insurance plan that does not exclude coverages for cosmedic dental services.  I want a plan that does it all.

I not saying I need cosmedic dental services but if in the future I do then I want a plan to cover me.  I can not seem to find them on line though.  What should I be looking for?

So what I am wanting to know is if  say I buy a typical dental insruance plan what would a get out of it?  I know some plans say free cleaning and X-rays but is that really all I get?  Would I be albe to have fillings done at a low cost?

What about the rest of the dental services do all dental insurance plan make you wait until you can have anything beyond a cleaning done?  Seems to me that they offer a free cleaning as if it is something really good but you have to hope you do not need anything else for a year.  Please advise why that is the case.

My parents are on a fixed income.  We do not have dental insurance right now.  My dad is always working to pay the bills so I do not see him much.  Even though he works hard he can not afford $120 or more a month for dental insurance.

I am seventeen and work a part time job so I think I would be able to pay for my own dental services if my parents could get a low cost full coverage dental insurance plan for our family.   My mom does not use a computer and she does not want to bother my dad over this unless I can find something that sounds workable.  Could use some good advise.

So I have not been to the dentist since I was on my parents dental insurance plan.  Lets just say that is a long time ago.  I know I need dental work.  I am not in any major pain or anything I just know that my teeth are not in good shape.

I am not sure if I should get a dental insurance plan with its waiting period and yearly max and do my dental services a little at a time. Or go for a dental discount plan for the dental saving and get my dental work done all at once.  Which way in the long run would be cheaper?

I current have my son in braces.  I have a dental discount plan that save me 20% and it has been working well for me.  However now my husband job is making us move.  It is good becuase it offer better pay and benifits.

My worry is that we will be changing states.  My son is still has his braces and they will not be done in time for the move since he need them for another year.  Will I still be able to get my 20% discount under the plan with another plan dentist.

You will just have to read the terms and conditions of the plan you are looking at. Some Insurance have long term waiting periods that may effect you. You may buy a Discount plan that is set up for one year term depending on who is selling it. 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. I have listed a website for that. I hope that you only need a check up since you do not want to maintain any plan.

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Had a root canal then the tooth broke

Supplemental Dental Insurance

Supplemental dental insurance is an individual or family insurance policy purchased to cover a portion of the dental costs. Supplemental dental insurance will normally not cover the entire dental care procedure.

If you have a primary dental insurance plan that you purchased or your employer provided, the supplemental dental policy typically covers the remaining dental bill.  For example, if the dental plan policy covers half of the dental cost, the secondary or supplement dental insurance plan should cover the remaining balance of your dental procedure.

A supplement dental insurance plan may also be purchased to cover the dental charges when there are annual dental benefit plan limits or exclusions.

I hope this information on supplemental dental insurance has helped.
Dr. David Blunt

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Affordable Dental Plans

According to the National Association of Dental Plans, approximately half of the U.S. population does not have an affordable dental plan. The cost for affordable dental insurance can vary. Therefore, it is important to understand all your options in obtaining the most affordable dental plan coverage.

The company where you work may provide the most affordable dental insurance plan options. Dental insurance plans for individual and families are usually an HMO (Health Maintenance Organization) or a PPO (Preferred Provided Organization) and operate much like traditional health insurance organizations.

Affordable Dental Plans – HMO

Affordable dental insurance plans from an HMO have a limited pool of dentist to select, but it is a more affordable insurance plan. If you are self employed and looking for a more affordable dental plan, a discount dental plan may be an alternative.

Discount dental plans are not dental insurance plans. A discount plan partners with dentists to provide customers with a savings on visits to the dentist office. The downside to discount dental plans is that they are not regulated and you have limited recourse if you experience dental plan problems.

Affordable Dental Plans – Where to Buy

You can obtain quotes for more affordable dental insurance plans from companies online and through your local insurance agent or broker. Please keep in mind that there are many web sites who give the appearance of selling dental insurance but instead only offer a dental discount plan which is not insurance.

Your dentist may also have affordable dental plan options available to patients.  Ask the receptionist if they partner with a dental plan company and see if one might be right for you.

Affordable Dental Plans – Other Alternatives

If you belong to a professional association, you might be eligible for a dental insurance or discount dental plan. Many associations partner with a PPO to provide their members with dental plans that offer very comprehensive insurance coverage at more affordable prices.

Finally, dental schools may offer affordable dental services. Dental schools seem to be safe, but can be inconvenient and treatment for one problem may have to be addressed in multiple office visits.