7 doctors weighed in:
Looking for dental insurance but the coverage seems very little. Any good companies or plans?
7 doctors weighed in

Dr. Daniel Wolter
Dentistry
2 doctors agree
In brief: 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.

In brief: 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.
Dr. Daniel Wolter
Dr. Daniel Wolter
Thank
1 doctor agrees
In brief: 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).

In brief: 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).
Dr. Winston Muditajaya
Dr. Winston Muditajaya
Thank
1 comment
Dr. Media Najafi
Individual plans are not very good. Better to pay it yourself rather than premiums and limitations and waiting periods.
Dr. Jonathan Engel
Dentistry
In brief: 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.

In brief: 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.
Dr. Jonathan Engel
Dr. Jonathan Engel
Thank
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