I'm putting my dentist's kids through college
April 11, 2012 7:09 AM Subscribe
Individual Dental Insurance. Is there such a thing, and is it affordable, and is it offered by someone other
than Delta Dental?
posted by instead of three wishes to health & fitness (15 answers total) 3 users marked this as a favorite
Delta Dental is offered by my workplace. I've looked it over every year, with an eye to adding it, but the cutoffs are such that it has always looked like you would do better just to pocket the money ($300 limit here, $200 limit on that other procedure, $1,000 max for the year, etc).
However, I have bad luck with teeth (I'm a grinder) and have considerable dental expenses every year for one reason or another. Enough that I'm willing to pay for dental insurance on my own if it doesn't have these ridiculously low limits. I've blown past what Delta Dental would allow for an entire year in the first four months of this year, on one tooth alone. It's very frustrating, and it's single-toothedly destroying my ability to do things like go out to nice dinners, or save for retirement. I imagine it will only get worse as I get older.
How do other people deal with this, when dental isn't covered by your job?