Does anyone know of any affordable dental insurance? i could apply for online? ?

Question

i have a chipped tooth with no insurance. looking for something affordable that i can make weekly or monthly payments on.

Answer 1

yes, i apply in here too. check this http://www.dentalplanshealthinsurance.co...

Answer 2

You have five options with dental.

1. Go without insurance. If you have good teeth and just want the basics you probably don't need any plan. Repairing a chipped tooth and even an occasional filling will cost you less without insurance.

2. Visit a local dental school. You can get many procedures done for a reduced price if you're willing to let them practice on you. You can find one here: http://www.yourhealthplanadvisor.com/Den...

3. Insurance - Depending upon the policy: cost $30-$60 per month. You pay a $50 deductible first, they have an annual maximum that they'll pay per year of $750 - $1500, they have a waiting period up to 18 months for major work and then you're paying 50% of the charges. Advantage - you can use any dentist with most plans.

4. Discount plans - Cost - $5-$12 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. 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.

5. 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.  

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.

Answer 3

Check out this great site: www.healthsavings.ourperfectcard.com I signed up online over 5 years ago now for all my dental needs and have saved thousands. From root canals, xrays, exams, cleanings..etc. All services are included in this very affordable plan. They even had my benefits active in 2 hours and was able to use it the very same day.