Dental Assistance
I am interested in finding if anyone can recommend any dental insurance or discount plans that work well around the country. I have been going to Mexico, but that is off the table right now. Thanks for any suggestions.
Forum Discussion
- Kountryguy, why is Mexico off for now?
- We use Care Credit. It was recommended by our dentist. It's not really insurance. It just allows you to pay the dentist up front and then pay installments to CareCredit.com.
- Usually with dental insurance, one can self insure and at least break even but mostly be money ahead. You can expect the premiums to be around $30 to $60 monthly or more, and except for routine cleanings, have high deductibles and low limits for specific procedures. Shop around, understand exactly what it pays and how much; then, decide if just setting the money aside yourself and elf-insuring is not a better option.
- Most insurance companies want you to pay your fair share, before they pay anything major, so there is usually a 6 month waiting period for major work
My suggestion would be to find a DDS you are happy with, and talk to him ( her ) directly about a cash discount.
With what’s happening in the country right now, I am pretty sure you will find most any dentist will be willing to work out a substantial cash discount - Are you 65 or more? Our Medicare supplement insurance...Blue Shield...has a good one for a modest premium. The charges for three cleanings and X-ray for each of us each year just about equal the premium.
- My experience is that private dental plans have poor coverage due to high deductibles.
- Costco Executive members have access to a low cost dental plan usually thru Delta Dental.
