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Q: Should I Buy An Individual Dental Policy?

2010 June 23

No! Individual Dental policies are a poor value. If you have access to a group where the employer pays, then our advise is to take it since there is no expense for you.  However, on an individual basis, the dental plans are really not worth the money you pay.  Most plans have a cap of $1000-1500 a year in benefits and only pay 50% of the cost for major services likes crowns, etc.  In the first year they only cover preventative care but charge you the full premium, similar to a pre-ex waiting period.  At the first renewal they jack up the price when the other benefits kick in…which are still limited.  You are just better off budgeting for the regular visits and using your emergency fund for the big stuff,  if they do occur.