Affordable Cheap Dental Insurance

Let talk about dental insurance!

I hear stories each and every day from people who actually have dental insurance are still find themselves unable to afford basic dental care. Many visitors to this site are without insurance and in obvious need of dental care as well, but I have news those visitors ... even if you had dental insurance, you should still prepare to pay lots of money.

Don't misunderstand, even cheap dental insurance will save you LOTS of money but it will not pay for everything. Most plans have relatively low caps on allowable limits in addition to relatively low coverage on basic needs such as roto canals and dental crowns. If you have ever experienced the need for a root canal, you know what I mean. Dentist are unable to preform a root canel without giving you a crown of some type.

Insurance plans vary widely, so you will want to check around. For example, one provider may cover a root canal at 80% and a crown at 50%. In addition, you should carefully look into the allowable maximum coverage per year ... this will vary by plan as well. If you maximum dental coverage is $1500 per year for example and you are faced with $5000 in repairs, you will be faced with owing $3500! Keep in mind, this is if you are insured!:)

All dental insurance plans carry a maximum allowable coverage per year. This is easy to identify and inquire about but don't stop there:) Scratch beneath the surface to better understand all the details. As mentioned above, you will want to know the percentages reimbursed for of all proceedures. In addition, you will want to have a solid understanding of each proceedure ... what's involved with it, what does it entail, how long is it, what is the recovery time.

Do you have a favorite dentist in mind? Check to ensure the dental insurance plan covers your dentist! Not all dentists participate in various plans for various reasons. Dental insurance plans attempt to save themselves money and in effect you. Insurance plan providers negotiate predetermined/approved rates for all types of proceedures ... this is very similar to medical insurance plans. If you walk into a dental office without insurance and ask for a root canel, they may charge you $1000 for example. If you walk into a dental office with insurance and ask for a root canel, they may attempt to charge the insurance company $1000 but they may only received $700 ... why?, because the dental insurance companies have a predetermined rate.

Save Money!

How does a predetermined rate benefit you? Take the example above ... if the insurance company paid the dentist $1000 and you are responsible for 20%, you would pay $200. If the insurance company pays the dentist $700 and you are responsible for 20%, you only pay $140 which saves you $60.

Many of you may say - I can barely afford to put food on my table let alone pay for insurance. I have heard many stories over years and even more so with the current state fo the ecomony. I plan to research AFFORDABLE CHEAP DENTAL INSURANCE companies in coming weeks and will keep you posted on my findings. You might be surprised to know that dental insurance is not too expensive (relatively speaking). If you are facing serious dental issues, consider dental insurance ... check back often for my reviews or send a quick email if you have a question and I will do my best to answer!


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DATE: 7/17/2018 1:32:51 PM ... SCREEN NAME: Get A Loan
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DATE: 11/24/2017 2:11:15 PM ... SCREEN NAME: louannestanek
I desperately needing Dental Care. I have Delta Dental,however I am unable
to eat, face people in public. My greatest teeth loss occurred after a Reclast Infusion. I so need help to continue my life, & help with my other illnesses is: Failed Back Surgery, Any advice would be gratefull. I am just 59yrs old. Cynthia Stanek 1415Main St #455 Dunedin Fl 34698
DATE: 7/8/2017 2:25:34 PM ... SCREEN NAME: rellis
my sons and I have disabilities and are in need of dental work were in the state of Michigan and can be reached at
DATE: 10/28/2015 12:02:08 PM ... SCREEN NAME: TINA
DATE: 10/10/2015 12:22:19 PM ... SCREEN NAME: Izay
Sure, pay for the visit out of pocket, isntead of using insurance. The policyholder (your father) will get an explanation of benefits, showing the doctor charge. If you're NOT a dependent of your father, you should have your OWN coverage. As long as he's covering you and both of you are agreeing that you are his dependent (otherwise, you wouldn't be using HIS insurance!), he's entitled to this info.
DATE: 5/26/2013 9:45:06 PM ... SCREEN NAME: cheapcheap
please send me info on affordable cheap dental insurance


DATE: 5/6/2013 5:58:18 AM ... SCREEN NAME:
This site is great. I am so glad I found it.
DATE: 4/8/2013 6:14:02 PM ... SCREEN NAME: AngieC
Do you know of any Dentists doing probono or point me in the right direction? I am trying to do some research to see if we can figure out some way we can take care of adults over 21 with dental issues. As you know many other health issues may arrise due to dental care or lack there of. Any information would help. Thank you in advance.
DATE: 4/20/2012 2:34:38 AM ... SCREEN NAME: Sweet Pea
I've never had my own teeth, ever! I jumped off of the top of the monkey bars age 10, head first & rammed my teeth all the way up my nose. I've had to have false teeth since a little girl, which also caused alot of self esteem & health problems. I'm also 11 months in cancer remission from Malt lymphoma. It was pretty traumatic. I've also been single for 24 yrs. & it would be a dream come true, to be healthy for once in my life & to have no more dentures. I feel like I've always have been an old young lady. How pathetic; I'm not, its just been my life that has not gone so well. I'm very optimistic to have a few good years left & to hopefully know love.
DATE: 4/3/2012 6:00:32 AM ... SCREEN NAME:
I need a dintist really really bad
DATE: 4/3/2012 5:58:53 AM ... SCREEN NAME: Simon
I could really use a dintist right now! Got 15 teeth that need professional care. Ten pulled/cut out and five others that might be able to be fixed. If anyone can help me it would be very apriciated!
DATE: 3/25/2012 7:53:11 PM ... SCREEN NAME:
I lost my job, then my house and theen my tooth. I would like to get my tooth i so I can find a job and before I loose my smile. Thank you soo much for your help. Daved Garza=408-320-4983-home / 408-761-2241-cell
DATE: 3/25/2012 7:50:08 PM ... SCREEN NAME:
I broke my crown and had the cheapest dentist I could find make me a bridge. It affects my speech, and makes my face hurt because he left the broken piece in my jaw. I have a nicer smille but can't really speak when I go on an interview. Once I get my job I will be happy to pay for the dentail care, but right now without a job, a lost my home, and soon to loose my smile. Tell me please what to do. Thank you, Daved - 408-761-2241

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