Dental Insurance not from an employer?

$20 monthly for Cigna dental plan

Dentist here— it’s pretty uncommon that a self-paid plan is worth it. You typically either get a cheap plan that doesn’t cover much or an expensive plan that you’ll rarely get full value from.
Most of the time you’re best off to self pay.
Many offices will give an in house membership plan, or if you have a bigger cost treatment, a percentage cash discount when paid in full.

Yeah. Also a dentist and dental insurance sucks. Just self-pay.

There are a handful of companies that have an annual cap of 5k. Always use a plan with network providers as pricing is predetermined. Avoid the usual and customary bit from the insurance company. Don’t wait until you need dental work to buy as most give no coverage for anything classified as Major services…ie crowns, bridges, root canal, etc….for the first year. I know of one the will give you reduced coverage for major year one then ups it to 50% year 2. …..What you spend out of pocket (self insure) and the cost of insurance when it come to cleanings and X-rays will be a wash. Having the right insurance plan will benefit you if something else happens.

I’m retired and the cost of the insurance vs the cost of cleaning was ridiculous. I decided to self insure

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Yeah. Also a dentist and dental insurance sucks. Just self-pay

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DennisQuaid.....you missed the boat on that username.....DentistQuaid.

I have both but on balance neither are great value propositions.

Bumpm

How basic dental care is not considered part of basic health care is a mystery. It is only a mystery in the United States though LOL....

My 85 year old father was just diagnosed with throat cancer. Before treatment can be started he had to have a dental evaluation...he had just had a cleaning in November and had a clean bill of dental health. Before he could get the required evaluation they had to do a periodontal cleaning despite no indication that it was necessary in November....again, he had excellent dental health in November for a 84 year old at the time. After the deep cleaning they did the evaluation and he had 5 teeth which were suspect and may not survive radiation treatment...so they had to be extracted. It has been almost impossible to get either his health insurance or dental insurance to pay for any of this....they have finally agreed that it would be paid by his health insurance but only after about 10 hours of debate by phone spread out over 2 months now. He is still waiting to be treated for cancer but by damn his dental health is near about perfect at the moment.