*Loan,banking and credit>>>dental insurance

Can u tell me which dental insurance is good....thanx?

Some Dental plans are really good. Delta Dental, Met Life, Guardian. When we first started out in business we signed up with quite a few. Over the years we have not had to sign up with any new ones. The low quality plans have dissappeared. We are still members of others that we just hold on to because we like particular patients. Other wise we don't accept new pateiens from the lower paying plans. In general you get what you pay for. PPO plans seem to work because Dentist are compensated for each service at some predentermined rate. Dentist can give you your options expensive and cheap, pretty or less pretty, and he gets paid for the exam. Everybody is happy. If you decide to go with the less expensive treatment that's your decision. Less expensive options require less time and material and the dentist gets paid. More expensive options require more hand skills and integrity and the dentist charges accordingly.

Stay away from HMOs and discount cards. If you buy one of these discount cards the dentist staff has to do all this work to figure out your rate, I refuse to see people who have discount cards because I just can't figure out what part of the tooth I should discount. ha.

HMOs; Don't get an HMO if possible. The way HMOs work is the dentist gets a FAT check every month for say 300 patients on a list. You have to see these patients for basic services for free. (sounds good eh?) But most of the time the dentist gets to thinking, why should I bust my butt and HMO patients all day when I can put them off for a few weeks and see the Cash and PPO patients. So right off the bat you become a second class patient. Then lets say your plan covers basic fillings for free, but not crowns and white fillings. Suddenly, you are at a car dealership. OH sorry Mr. Shmo you need a crown and that tooth. By the way you need a deep cleaning and those wisdome teeth should come out. Get the picture? HMO's suck because you can't figure out if you really need a service or are getting served.

I wish you luck. Remember cash works well too. you'll get a bigger discount than those discount cards.
Otherwise PPO's are the way to go.

p.s. blue cross pays as much as your employer is willing to pay. so, in general they are very low paying to the dentist.

In what state do you live? As a general rule, Blue Cross is tough to beat for price and service.
None, Its all just a money making scam
experience
Call your dentist and ask him/her what they actually ACCEPT. Many newer insurance cos are not even TAKEN in most offices!

Also, watch out. Dental ins is rediculously overpriced and often, if you really look into the math, the amount you PAY over the course of the year is EQUAL to what they cover for the year!!
Ameri Plan can't be beat! They are offering quality dental, vision, prescription and chiropractic care for three months for just $23 - that's a $20 registration fee and $1 a month! Contact me about it! We also offer a great medical program.
Most of the PPO's are good, but unfortunately you can only obtain those through an employer. Be very leary of plans such as Ameriplan because most of the dentists that take those type of plans do quantity work rather than quality.