Dental plan for family
originally posted: 11/22/2006 reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email asktony@tonynovak.com.
Q: Can you recommend a dental plan for a family of three? Our company does not offer any dental plan but will pay up to $500.00 per year per family. I would like to buy a plan for this amount. I heard about Delta Dental do they offer individual plans?
A: Delta Dental offers group insurance only through employers. Individually purchased dental insurance policies are not a good option for the many reasons discussed here in this column and in other financial media. The best option is a low cost dental discount plan combined with a negotiated payment plan with a dentist. The combination is far more cost-effective than any insurance policy. The nation's largest and most reputable provider is Careington. More information is available online at www.Ehealthdiscountplan.com. A no risk trial membership is available so that you can see how the pricing works with your dentist. Most dentists state that they offer their patients who ask a far more attractive payment plan than any dental insurance plan would be able to provide. Your employer could easily set up a dental expense reimbursement plan to allow these expenses to be paid tax free. See the Health Reimbursement Account plan at www.freedombenefits.org for details. So speak with your dentist, enroll in a discount pricing plan and forget about the middleman insurance.
Summary
More resources:
www.ehealthdiscountplan.com www.freedombenefits.org