*Loan,banking and credit>>>dental insurance

Where can I find dental insurance to buy on my own (not thru a job)? Does the cost make it not worth it?

If you just need an annual check-up and cleaning you're better off paying out-of-pocket. However, if you need more you have three options with dental.

Insurance - Depending upon the policy: cost $30-$60 per month. $50 deductible, annual maximum of $750 - $1500, waiting period up to 18 months for major work and then you're paying 50% of the charges. Example - average cost for a root canal in my area is $829. With insurance you pay $414 after paying 18 months of premium (around $800 or $900). Advantage - you can use any dentist with most plans.

Discount plans - Cost - $5-$10 per month. No deductible, no annual maximum and no waiting periods. Also, hardly any dentists will accept the plan and when they do you MIGHT get a 10% discount, which is about the same discount you can get by paying cash. Example - average cost for a root canal in my area is $829. With discount plans you pay around $746. Be very wary of these plans because most are scams. The people that sell these plans have little or no knowledge about health & dental insurance and do not need a license to sell them. The plans are not regulated by the state so you have no recourse when you have problems. Some states are starting to ban these plans from being sold. Here is an informative link http://www.insurancejournal.com/news/wes... concerning these plans.

Fee for Service discount plans - Cost $7-$15 per month. No deductible, no annual maximum and no waiting periods. Many dentist will accept the plan (check providers first before signing up with any plan). When you use the plan there is a set fee that the dentist will charge you. Example - average cost for a root canal in my area is $829. With fee for service plans you pay as little as $404.

I'm an insurance agent and my personal plan is the fee for service plan. I got mine here http://www.dpbrokers.com/default.aspx?lo... specifically the Aetna Dental Access plan but which one you get depends upon your area and comparing the fee schedule to find the best for what you need covered. Source(s): Independent Agent

it costs alot because the deductible will get you
Dental insurance is usually a joke. You pay them the same or more than they payout in a year. Also, most dentists will make a better deal w/ ya if you don't have dental insurance. You are usually better off to just save that money.
dental hygienist
Rule of thumb...

Don't insure anything that you can afford to pay on your own.

If you have to pay some dental bills, I hope that you can manage to pay it over a reasonable period of time without any serious financial strain. If otherwise, you need to start saving more money and making more money. Not having insurance compells you to do a better job taking care of your teeth as well...just another insentive to be thorough with your brushing and flossing.
HELLO,
SOMETIMES PAYING OUT OF POCKET COSTS LESS $ THAN PAYING FOR INSURANCE AND THE PREMIUM.
FOR SOME DENTAL WORK THIS IS CHEAPER THAN GOING THE INSURANCE ROUTE.