Dental Insurance – Do You Have It?

Dental Insurance seems to be more of a luxury these days as more and more employers don’t offer it. My current place of work only offers health insurance to keep costs low, so I finally decided to start looking around of some Dental Insurance on my own as we have been too lucky with no dental issues and I expect the other shoe to drop soon.

Geez, where to start? There has to be over 10,000 ads and scams out there regarding Dental Insurance. I stumbled upon DentalPlans.com. They seemed to be legit enough from the look of their website so I thought I would see what they had to offer. It was comforting to see that they had some bigger name plans from GE and Aetna, rather than fly by night shops I have never heard of that would disappear the day before your root canal.

Since I am married with a baby on the way I needed to look for Family Dental Plans. Now don’t forget that since you are getting the insurance your self it is gonna cost you a bit more, especially if you are needing family coverage. There is still going to be out of pocket costs, but the idea is to minimize them as much as possible. My main goal was to find a plan that picks up 6 month checkups. Since we both get 2 a year I wanted to make sure that we weren’t paying more out of pocket just for the simple exams.

After going through pretty much all the plans, we decided on GE Wellness Plan (Dental Only). This plan costs $159.95 per year for a family. It covers 6 month checkups up to $43 per visit. So for two people twice a year, the plan will already pay for itself. We will just need to pay for the cleanings which run about $60 per adult which are discounted from $83 per the plan. So there is still some cost involved, but at least it isn’t full price and is managable. Like with health insurance, the real savings come in when you need major dental work done, which thankfully neither of us have needed, knock on wood.

The whole process using DentalPlans.com was pretty painless. You don’t need to sign up for register to see pricing. You just sign up when you are ready to enroll in a plan. I did call their 800 number since I had a few questions and they were very helpful and courteous ( a rarity these days when dealing with health-care folks!!!).

I did notice that they currently are having a promotion that if you use the coupon code: SELECT you will get 10% off of any plan. Unfortunately I signed up before this promo, but just having the security of dental insurance is good enough for me. Now all I need to do is get all my teeth knocked out!