Dental Insurance

[Jirel]

8. Yes, and the right plan is worth it.

90% or more of medical insurance is trash. The number is worse for dental coverage. However, it is well worth it if you can afford it, and can get a good plan in your area. Things to look at:

1) How long do you have to wait before even basic procedures like filling cavities are available? More importantly, how about dental surgery like extraction, root canals, or implants?
2) What PERCENTAGE is paid for these more significant services?
3) What does the provider list look like in your area? Just a very few dentists and fewer surgeons? A wide group to choose from? How about the reviews of the dentists on the plan?
4) What limits are there on usage? One cavity per year doesn’t get you very far…

Delta Dental usually has the best plans, followed by BCBS. But that does change, area to area.