pameladean

Dental insurance is, IMHO, a scam. It is not actually insurance at all, just some kind of half-assed pre-payment plan carefully weighted so the house almost always wins. The point of insurance is to pay for large, unexpected expenses, which is exactly what most dental insurance does NOT do. All the dental insurance plans I am familiar with have a very low annual payment cap (along the lines of $1800). And the premiums are outrageous for the amount of coverage they provide. Basically, the premiums just about cover cleanings and maybe one filling a year. Then there is a small window for larger expenses like crowns where they might cover half the cost of the procedure. And then you hit the cap and you're SOL. I find it hard to believe that these plans are even legal.