Do anyone know anything about Dental Insurance?

My personal experience is that most families with fairly healthy teeth lose big time buying their own insurance, and that families with unhealthy teeth at best break even. The cost of regular checkups and daily home care (flossing and brushing) is far cheaper out of pocket than out of most individual insurance plans premiums.

I would advise you to first do research on how dental insurance works, decide what (if any) coverage you need, and find a good broker if you still decide that you want it.

The only time recommend dental insurance to a patient is if their employer is picking up at least half of the premium. Otherwise, you'll save more money going out of pocket and/or using your medical savings (aka Flex spending) accounts.

Also, beware of psuedo-insurance: discount plans masquerading as dental insurance. If you pay less than $150 only once a year to go to a limited list of participating dentists, you are getting a discount plan, not insurance. Many of these plans negotiate dentistry at deep discounts. You pay the company a membership fee, they pay absolutely none of it towards your dental care. Be careful; the economics of these plans gives doctors every temptation to bait and switch you into higher priced elective procedures.

You will not generally find good dental insurance for individuals. The thing is, insurance companies are in BUSINESS and they want to make a PROFIT. They know exactly how much any given group is going to spend for their dental needs, so they construct a fee schedule for that group and decide how much premium that they will need to charge to pay out those fees for that group and still make money. Dental insurance can be a big loser for the insurance companies, because EVERYONE has dental problems. Not everyone has a heart attack.

My sis used Delta Dental - it gave a max of $1650 a year - this was thru her company but would have cost around $30 a month - she still had to pay a %age contribution on most things!

So cant give you any overall advice but just how she found Delta

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http://dentalplans.com/ is a good source if you are not covered by an employer.