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01-10-2007, 07:01 PM | #1 |
No Longer a Member Join Date: Apr 2005 Location: Arizona
Posts: 1,424
| Individual Dental Insurance?? Can anyone point me in a good direction??? I NEEEEED to get dental insurance, and i'm getting health insurance through blue cross and blue shield, but they dont offer a ppo dental insurance, so i have to look somewhere else. But I am sooo lost?? Nothing makes sense to me, I dont want to make a bad choice. Anyone out there understand the insurance world? |
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01-10-2007, 07:34 PM | #2 |
Donating YT 3000 Club Member Join Date: Jun 2006 Location: Sequim, Wa
Posts: 4,541
| I don't know what occupation you are in but occupation related associations are a good place to look for group dental plans. In my experience, most of these individual plans don't do much better than dental discount programs. I have one that I use for supplemental and it does not pay much unless you have major work done like a crown, that is when you get your money's worth. If your teeth are in good shape and you don't anticipate much restorative work beyond fillings, I would suggest pricing out a dental discount plan. Good individual dental insurance is hard to find unless you are part of a group like with an employer's plan. I work in the insurance industry and have had lots of experience looking for plans when I was self-employed. You can PM me if you have questions. If you are self-employed, you might consider joining the national association for the self-employed. They have fairly good group health and dental plans.
__________________ Gracie loves Bailey. Holly loves Tucker. Proud member of the YT Gracie Girls. Last edited by Gracie2006; 01-10-2007 at 07:37 PM. |
01-10-2007, 07:40 PM | #3 |
Just me 'n my boys Donating Member Join Date: Sep 2005 Location: Murphy, TX
Posts: 4,596
| They don't offer it really? I always thought they did. I can't remember who my dental was through from them, let me think
__________________ "Be kinder than necessary, for everyone is fighting some kind of battle." Alphy 's Roxy |
01-10-2007, 07:46 PM | #4 |
No Longer a Member Join Date: Apr 2005 Location: Arizona
Posts: 1,424
| I dont have insurance through my company.. we are too small. But they are paying any individual coverage I choose. SO I want to get a good one. I have Blue Cross and blue shield for health insurance, but they dont offer a ppo for dental. And I already have a preferred dentist.. and oh man, why is this so complicated?? Its all greek to me |
01-10-2007, 07:51 PM | #5 |
Just me 'n my boys Donating Member Join Date: Sep 2005 Location: Murphy, TX
Posts: 4,596
| I don't get it either. I have to self pay everywhere I go because I can't afford to pay $500+ a month for insurance with a $1500 deductible. It's just absurd. I thought though that when I priced Regence Blue Cross Blue Shied I could get insurance as an individual. I'm not sure what ppo dentist means, so sorry I can't be more helpful. I'll ask around. Oh I think it was Delta Dental or Metlife...
__________________ "Be kinder than necessary, for everyone is fighting some kind of battle." Alphy 's Roxy |
01-10-2007, 08:03 PM | #6 | |
No Longer a Member Join Date: Apr 2005 Location: Arizona
Posts: 1,424
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01-10-2007, 08:04 PM | #7 | |
No Longer a Member Join Date: Apr 2005 Location: Arizona
Posts: 1,424
| Quote:
Yeah, apparently it sucks for people wanting to get individual coverage. PPO just means i can pick the dentist that I want rather than pick from a list of dentists. Delta and metlife are all for group/company | |
01-10-2007, 08:08 PM | #8 | |
Just me 'n my boys Donating Member Join Date: Sep 2005 Location: Murphy, TX
Posts: 4,596
| Quote:
__________________ "Be kinder than necessary, for everyone is fighting some kind of battle." Alphy 's Roxy | |
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