I need a good dental insurance?

I am looking for a good and cost effective dental program. Thank you.

Answers:
Advertising, clearly in violation of AnyQA.coms policy.

And, if you look up your posts and "fullmoon's" they are all asking and answering about low-cost health insurance.

This kind of thing is annoying and misleading. These so-called "low-cost" plans are nothing but a multi-level marketing plan and do not provide good benefits to those who are suckered into paying for them. You'd be better off to self-insure.

In the meantime, I hope all these people are sanctioned by Yahoo! for blatant disregard for the purpose of this forum.

I have the perfect health benefits from Ameriplan
This is not insurance. This is a discount health program with thousands of providers around the country.
-No wait time, no deductible, no age limit, no HMO, PPO, etc…
There are 2 types of benefits
1- Dental, vision, prescription and Chiropractic
With up to 80% saving:
$11.95 individual/month
$19.95 household/month
2- Medical benefits with dental, vision, prescription, and chiropractic with up to 50% saving on medical
$ 49.95 individual/month
$ 59.95 household/month
If you are interested to read more click on the link below.
Please send me e-mail if you need more information.
http://www.everyonebenefits.com/fazimi
Interested to be a broker for this company?
Click on this link
http://www.deliveringonthepromise.com/fazimi
Our dental coverage is from Delta Dental. Can't complain yet.
As a dentist, I know that this question is impossible to answer. Delta is wonderful to work with as a company, but they must sell at least a hundred different plans. There are many other companies that sell dental insurance such as Aetna, MetLife, and several others, but they all sell many different products. How happy YOU are depends on which plan you buy.

Most of the time, the only way to get really good dental coverage is through your employer. When you buy dental insurance as an individual, there are deductibles and co-pays and annual maximums that you need to analyze in order to figure out when and if you will actually save money by having insurance coverage. Some of the premiums I have seen make it almost impossible to realize any positive cash flow from the related policy. I mean, at $60 a month with $100 deductible and $1,000 annual maximum, you will have to take $820 out of your own pocket before you realize one penny of "profit" or net gain from your dental insurance.

Then you have to calculate the effect of co-payements. Check the figures and do the math yourself.

Be cautious about buying or choosing a plan where you do not have any choice about the dentist you can see, because you just might not like the dentist(s) listed on the plan and then you are stuck for a year until you can get out of it.

Be cautious about buying a so-called "dental discount plan" (as mentioned above), since they also have restrictive lists and they really are not dental insurance at all. Just be careful and understand what you are buying.

For many people who just can't get good dental insurance, a regular savings plan sort of like a Christmas Club with $20-25 a month deposited into a dedicated account will pay off when you examine the return over a lifetime. You may run way over your savings at first, but once you get your mouth straightened out, your annual expenses should not be more than a couple hundred dollars most of the time.
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