re: Advice on Dental Plans/Dental Insurance

I decline my work option it sucks. It's like $30 a pay period and one cleaning a year is exactly $150 cash. Most dental insurance plans have a max $1000 payout, but some have some have more and some have something like a 10% coverage after $1000.

My point being unless you have absolutely horrible teeth or your dental coverage is very cheap, you are better off just paying cash.

My dentist started offering their own "insurance" its $350/ year for patients and includes 2 cleanings, all xrays, 2 fluorides, and a bunch of other stuff along with 10% off all work. Its a pretty solid deal. I would just worry if you need major work they'd job you somehow.