Question— Are Individual Dental Insurance Plans worth buying?

Answer– Not really….. here is why. As the office manager of our dental practice I often get questions about individual dental plans because of patients retiring, switching employers, or being self employed. After may hours of research and price comparisons of different dental insurance plans I have proven time and time again that you have to be on the dental plan for two years before the insurance will pay for dental crowns, dental bridges, oral surgery, or even a root canal. Dental implants are rarely covered on even the best dental insurance plans.  This disadvantage is called a “waiting period”, and normally does not apply to routine dental cleanings ( hygiene prophy), x-rays, and check up exams but are covered at only 50%-to 80% of the service fee. When I add up the dental insurance premiums with the out of pocket expenses for dental cleanings, x-rays, and check up exams it almost always adds up to more that you would have paid if you just paid at the time of service. If you have a High deductible  Savings Account,  also known as an HSA card, or Flexible Spending Account or FLex card, you save even more by using pre-tax dollars without having to deal with dental insurance.

The real solution to this problem is having an insurance broker work with your small to medium sized business to show you different dental plans. The best dental insurance plans will have out of network benefits, short or no waiting periods, and a group rate that is more affordable than an individual plan.

Please contact Tracy and Maria Speer for Centennial and Denver area dental and health insurance needs.

Please contact Sally Wurr insurance agent for your Highlands Ranch and Littleton Colorado dental and health insurance needs.

Contact Bob Lowry at Allstate Insurance for your insurance needs in Castle Rock Colorado

Please tell them Brian sent you!