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What should I look for in a dental insurance plan?

If your dental needs have been small over the years, you may not want to spend any money on dental insurance. Put the premium dollars in a "dental saving account". If by chance you have an unexpected need, you have the money.

If your dental needs are great, you will find that unlike medical insurance, dental insurance will not cover what it takes to get your mouth back even to minimal health. Most plans still have a $1000 maximum yearly allowance, the same as it has been for near 30 years. It is rare that one gets more out than what they pay in. Think of dental insurance as a coupon to be used towards your dental needs so you will not be disappointed.

If your needs have been are variable over the years, then a dental insurance plan can help even out the ups and downs. As mentioned above, think of dental insurance as a coupon if believe it is right for you.

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.