Dental Insurance TIPS
Years ago my primary dentist of 40 years declared my mouth a disaster area. Since about 7 years ago I carry at least 2 policies. In 2016 I had 4 policies. 3 for $1000 max and 1 employer for $2000 max. I maxed all these out getting crowns, dentures that year then dropped 2 of them.
My advice: Unless you never have problems get at least one policy. They are usually only $30-$35/month for $1000 coverage or $50 for $1500. This will give you a provider discount and usually free cleanings, 80% fillings and 50% major.
If you have moderate problems get 2 policies with different insurance carriers. That way, one will pay 50% and the other will pay the rest (usually) and you may be hit with just a small amount (deductable).
Why? Crowns and root canals are $1,000 or more. Partial dentures can run up to $2,000 per upper or lower each. If you have 2 policies it will pay most. Only 1 and you're stuck with a $500 or more bill.
Implants are $2000/tooth also.
If you need major dental work done & have no insurance consider flying to costa rica or mexico where it is half price or less than here.
My dental policies have saved me a great deal of money over the years.