A member asked:

Looking for dental insurance but the coverage seems very little. any good companies or plans?

7 doctors weighed in across 3 answers

Short answer NO: Insurance companies are in the busienss to make moany. They can not pay out more in benefits and internal expenses and commisions than it takes in from your premiums.Individual palns tend to be limiting because it takes taime for the insurance company to be ahead of the money curve.

Answered 7/4/2012

5.8k views

Thank

No, Not Really: Dental "insurance" is nothing like medical insurance, car insurance, or home insurance. In fact, it's nearly the opposite: the more you need, the less they cover. There are many restrictions. Their maximum yearly benefits haven't increased much in the last 40 years. Trying to get it on your own is even more limiting generally. Even with the best plan, you can have significant out of pocket costs.

Answered 9/28/2016

5.7k views

Thank

In short no. : Because utilization with dental insurance is high (for everyone paying $1 in premium, they want $10 in treatment), dental insurance companies will put all kinds of limitations and exceptions just to make a few dollars. Another issue with dental insurance is that, ironically, coverage is good with procedures people can pay for (cleanings, fills) but not with expensive stuff (implants, crowns, etc).

Answered 12/16/2014

5.6k views

Thank

Related Questions

A member asked:

Will insurance companies cap coverage?

A doctor has provided 1 answer